First Home Super Saver (FHSS) calculator
Save up to $50,000 for your first home inside super at concessional tax rates. This calc shows exactly what you'd get out, after tax, vs saving the same amount in a regular savings account.
Built on 2025-26 ATO rates · Last reviewed April 2026
Salary sacrificing $15,000 into super saves roughly $2,550 in tax per year vs taking it as salary and saving outside. Over 3 years you contribute $45,000 gross, and when you release for your deposit you end up with $40,909.
The process. Make voluntary contributions via salary sacrifice or personal deductible contributions. When you’re ready to buy, apply for a determination via myGov (tells you the eligible amount). Then apply for release. Sign a contract within 12 months of receiving the release (extendable by another 12). Pay release tax via your normal tax return. First-home-buyers only — you can’t have previously owned Australian residential property.
Where these numbers come from
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FHSS explained end-to-end →General information only — not financial advice. Super decisions are long-term; verify with a licensed adviser.