FHSS planning calculator

Model your voluntary super contributions against the First Home Super Saver Scheme's $15,000 annual and $50,000 total contribution caps (Housing Australia / Australian Government, verified 29 Jul 2026). This estimates eligible contributions only — not your actual releasable amount.

Existing eligible FHSSS contributions so far

Planned voluntary contribution per year (up to $15,000)

Years to plan ahead

Methodology and assumptions

Formula: cumulative eligible contributions, capped at $15,000/year and $50,000 total (Housing Australia / Australian Government, verified 29 Jul 2026).
Excluded: associated earnings, tax treatment on release, and the ATO's formal determination process — this is a contribution planner, not a withdrawal estimator.
Last verified: 2026-07-29

This is general education and a planning estimate only, not tax or financial advice. Request an official FHSS determination from the ATO before relying on a specific releasable amount.

Sources and methodology

First Home Super Saver Scheme — Housing Australia / Australian Government (retrieved 29 Jul 2026)

Figures on this page are drawn from Delora's local knowledge graph, refreshed from these primary sources and checked for changes on a regular schedule. If a figure here looks out of date, the official source above is always the authority — please let us know.