one inbox · one human · no autoresponder

say hi.

flag a bug, dispute a number, ask a question, share your verdict screenshot. anything other than financial advice (we don’t do that).

email

hello@whencanipayoffmyhecs.com

tap to open your mail app, or copy + paste. expect a reply within a few days — this is a one-person project, not a help desk.

what to send

  • bugs — broken page, weird verdict, busted share link. include the URL if you can; that encodes everything we need to reproduce.
  • data disputes— think a repayment threshold or inflation rate is off? send a link to the ATO source and we’ll update.
  • press / media— happy to chat about the model, the data, or what we’re seeing in the numbers.
  • just yelling — also fine. 1 June deserves it.

what we can't help with

we can’t give you financial, legal, or tax advice. this is a public estimator, not a regulated service. for actual numbers tailored to your situation, talk to a registered tax agent, financial adviser, or the ATO directly.

we also can’t look up your specific scenario for you — every input is in the URL, so the calculator does that job in your browser.

privacy

your email lands in a project inbox. we don’t add you to any list, sell anything, or share what you write with third parties. for the full story see the privacy policy.

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how this is calculated

every month we drain compulsory repayments from your pay at the FY2025-26 marginal rates (15% above $67k, 17% above $125k), apply any voluntary repayment you’d brag about on LinkedIn, and on 1 June we let inflation grow whatever’s left of your balance.

the payoff is the first month the balance hits zero. if your debt grows faster than you can pay it, you’ll see “never”. that’s not a bug — that’s how this kind of debt works.

source: ATO study and training loan repayment thresholds and rates · not financial advice. just maths and feelings.