Terms of Use

Last updated: May 2026

General information only

Everything on First Home Ready (fhssplanner.com.au) is general information only. It is not personal financial advice, tax advice, or legal advice.

The FHSS calculator, contribution tracker, and all other tools on this site produce estimates based on current ATO rules and publicly available data. Your actual results will depend on your individual circumstances, the super fund you use, and rules that may have changed since this site was last updated.

Before making any decision about superannuation contributions, property purchases, or withdrawals under the FHSS scheme, you should speak with a registered financial adviser, tax agent, or mortgage broker who can assess your specific situation.

No warranty on accuracy

We work to keep the information on this site accurate and up to date. Each page shows a "last verified" date indicating when figures were last checked against official sources.

However, government rules change — sometimes without notice. We make no warranty that the information on this site is complete, accurate, or current at the time you read it. The authoritative source for all FHSS rules is the Australian Taxation Office at ato.gov.au. For state stamp duty and First Home Owner Grant figures, refer to your state's revenue office directly.

No liability

To the maximum extent permitted by law, First Home Ready and its operators accept no liability for:

• Any loss or damage arising from reliance on information or estimates provided by this site
• Decisions made about superannuation contributions, property purchases, or FHSS release requests based on this site's content
• Errors or omissions in the information provided
• Changes to government rules or rates that have not yet been reflected on this site

Calculator estimates

The FHSS calculator produces estimates only. Results depend on assumptions including your marginal tax rate, SGC rate, deemed earnings rate, and state-specific rules. Actual amounts released by the ATO will depend on your contribution history as recorded by your super fund, the ATO's determination process, and applicable tax at the time of release.

Third-party links

This site links to official government websites including ato.gov.au and state revenue offices. We are not responsible for the content, accuracy, or availability of those sites.

Changes to these terms

We may update these terms at any time. Continued use of the site after changes are posted constitutes acceptance of the updated terms.

Contact

For questions about these terms, contact us at: [email protected]