Welcome to the Advantage Salary Packaging HELP Estimate Calculator

Higher Education Loan Programme (HELP) repayments are calculated on your ‘adjusted taxable income’.  That is, your salary plus the 'grossed-up value' of your fringe benefits (salary packaging).

E.g. An employee’s salary is $30,000 and they salary package $9,095 (grossed-up = $17,000). The HELP liability is calculated on $20,905 (cash remaining after salary package) + $17,000 (reportable fringe benefits) = $37,905.  Whilst the HELP payments will increase slightly, your take-home pay will also increase even more due to the large reduction in income tax.