Deposit tracker
Find out when you could buy and what gets you there faster.
Where you stand
Three numbers. That is all you need to start.
How this works
FHSS
The First Home Super Saver scheme lets you salary sacrifice into super and withdraw it later with a tax advantage. You pay 15% contributions tax inside super instead of your marginal rate. On withdrawal, you get a 30 percentage point offset on the tax. For most people earning between $45k and $135k, this means a meaningful saving compared to putting the same money in a bank account.
First Home Guarantee
The government guarantees part of your loan so you can buy with a 5% deposit and pay no LMI. Income caps apply: $125,000 for singles, $200,000 combined for couples. Places are limited each financial year. You must be an Australian citizen and must not have previously owned property.
FHOG
The First Home Owner Grant is a one-off payment for buyers of new homes. The amount and price cap vary by state. It does not apply to established (existing) homes. If you are buying a new build or house-and-land package, the grant is deducted from the total funds you need.
Useful links
Disclaimer
This calculator provides estimates only and is not financial advice or tax advice. Figures are based on ATO 2025/26 tax rates, simplified stamp duty schedules, approximate LMI rates, and general assumptions about legal and inspection costs. Actual amounts depend on your lender, property type, super fund, and individual circumstances.
FHSS calculations use the ATO shortfall interest charge (SIC) rate as the deemed earnings rate. This rate is updated quarterly by the ATO and may differ from the rate used here. The concessional contributions cap, FHSS limits, and tax brackets are for the 2025/26 financial year and may change.
Always confirm your FHSS eligibility and amounts with the ATO or a registered tax agent. Consult a licensed mortgage broker or financial adviser before making decisions based on these estimates. housematch.com.au is not a financial advisor, tax agent, or credit provider. See our terms.
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