The Basics
i
$
i
$
i
3.5%
i
3%
i
i
Loan Paid Off In
18 Years
Debt Free in 2043Age: 39
Total Repaid
$71,166
Total Indexation
$21,166
REPAYMENT TIMELINE
FINAL YEAR
Timeline
2043 Age 39
Income
$125,627
Repayment
$3,613
Balance
$0
Loan Paid Off In
18 Years
Debt Free in 2043Age: 39
Total Repaid
$71,166
Total Indexation
$21,166
REPAYMENT TIMELINE
FINAL YEAR
Timeline
2043 Age 39
Income
$125,627
Repayment
$3,613
Balance
$0
DISCLAIMER
This tool is for educational purposes only. It is not personal financial, legal, or tax advice and does not take into account your individual objectives. The model estimates compulsory repayments using the 2025–26 marginal repayment system and assumes these thresholds remain constant. Actual repayments are determined by the ATO after you lodge your tax return.
Repayment Income
Rate / Calculation
$0 – $67,000
Nil
$67,001 – $125,000
15c per $1 over $67k
$125,001 – $179,285
$8,700 + 17c per $1 over $125k
$179,286+
10% of total income
LIMITATION OF LIABILITY
To the extent permitted by law, we accept no responsibility for any loss arising from reliance on this tool. You should verify figures with the ATO and seek independent professional advice before making decisions.
© 2025 Mitch Bryant · mitchbryant.com
TikTok · Instagram: @itsmitchbryant
© 2025 Mitch Bryant · mitchbryant.com
TikTok & Instagram: @itsmitchbryant