The First Home Super Saver scheme lets first-home buyers release certain voluntary super contributions. See whether your answers meet the four published gates, and the maximum releasable amount — net of the rule that only 85% of before-tax contributions count.
Educational tool. Not financial advice.
What are you checking?
Your age when you'd request a determination
FHSS requires you to be 18 or older when you request a determination from the ATO.
$
Are you buying or building your first home to live in?
✓
Yes — a first home to live in, not an investment property.
Have you ever owned property in Australia?
Yes — including investment or commercial property, vacant land, or a lease of land.
Have you ever made a valid FHSS release request before?
Yes — I have already made a valid FHSS release request.
Before-tax (concessional) voluntary contributions this year
Salary sacrifice or personal-deductible contributions. Only 85% of these count toward the releasable amount. Excludes your employer's compulsory super.
$
After-tax (non-concessional) voluntary contributions this year
These count in full (100%) toward the releasable amount.
$
FHSS-eligible voluntary contributions counted in prior years
Toward the A$50,000 lifetime cap. Leave at 0 if this is your first year of FHSS contributions.