Estimate releasable First Home Super Saver contributions and tax effects from voluntary contribution assumptions.
Calculate voluntary super contributions, deemed SIC earnings, and tax savings
The ATO applies the Shortfall Interest Charge (SIC) deemed rate of return rather than actual fund returns.
Total Estimated Release
$34,650
Before withdrawal tax (marginal rate − 30% tax offset)
How tax savings work:
Contributions through salary sacrifice are taxed at 15% in super rather than your marginal rate of 32.5%, saving you 17.5% in upfront income tax.
Disclaimer: This tool provides informational results only and should not be used as professional advice.
The First Home Super Saver Calculator estimates voluntary super contributions, associated tax treatment, and a modeled releasable amount for a first-home deposit.
Contribution caps, eligible contribution types, deemed earnings, withholding, release limits, and application timing change over time. Verify current ATO rules.
Estimate investment profit, total return, annualized return, and ending value from contribution and growth assumptions.
Calculate your monthly repayments, total interest payable, comparison rate, and full amortisation schedule instantly.
Calculate your exact monthly loan repayment, total interest, and total cost before you sign. Get a full month-by-month amortisation schedule instantly.