The short version
This calculator does not collect any information about you. The figures you enter are processed in your own browser and are never sent to our server, stored, or shared with anyone. There is no account system, no sign-up, no tracking, and no analytics.
What we collect
Nothing. The site does not use cookies, does not use local storage, does not run analytics, and does not include any third-party scripts. The repayment calculation happens entirely in your browser using code that never makes a network request.
Because we collect no personal information, we have nothing to sell, share, or disclose. The Australian Privacy Act 1988 (Cth) governs this site; with no personal information collected, there is nothing for us to hold or protect on your behalf.
What our hosting provider sees
The site is served by Cloudflare Pages. Like any web host, Cloudflare's servers receive standard technical data when a page is requested — your IP address, browser type, and the pages you visit. This is processed by Cloudflare under its own privacy policy (cloudflare.com/privacypolicy) and is outside our control. We do not access or use this data.
Advertising
This site serves third-party advertising through Google AdSense. Google, as a third-party vendor, may use cookies to serve ads based on your prior visits to this and other websites. Third parties may place and read cookies on your browser, or use web beacons or IP addresses, to collect information as a result of ad serving.
- You can opt out of personalised advertising at adssettings.google.com.
- See how Google uses data when you use our partners' sites or apps.
- See Google's privacy policy.
Children
The site does not collect data from anyone, including children. There is no content directed at children, and no data of any kind is gathered from any visitor.
Changes to this policy
If the site's data practices change — for example, when advertising is enabled — this page will be updated with a new effective date before the change takes effect.
Support
For help with your HECS-HELP loan, repayment obligations, or the figures shown on this site, the Australian Taxation Office is the authoritative source: Study and training support loans — ATO.
Questions about this site's privacy practices can be directed to the site operator via the contact details published on this page.