First Home Super Saver: how it actually works

The First Home Super Saver Scheme can allow eligible voluntary super contributions and associated earnings to be released to help buy or build a first home. The ATO controls which contributions count, the release process, timing and tax treatment.

What to check before relying on it

  • Whether the contributions you made are eligible.
  • The current ATO contribution and release rules.
  • The release determination and request process.
  • Contract timing so the money is available when needed.

Open the current ATO First Home Super Saver guidance

Have a scenario?

Start with the details that actually matter.

Tell me what you’re trying to do. We can work out what needs to be checked before you spend time on the wrong option.