First Home Owner Grant (FHOG) & FHSS Scheme Calculator
Check state FHOG grant eligibility ($10,000 to $30,000) and calculate tax savings by releasing up to $50,000 from super via the First Home Super Saver scheme.
Check state FHOG grant eligibility ($10,000 to $30,000) and calculate tax savings by releasing up to $50,000 from super via the First Home Super Saver scheme.
Check state FHOG grant eligibility ($10,000 to $30,000) and calculate tax savings by releasing up to $50,000 from super via the First Home Super Saver scheme. Calculate exact, penny-accurate projections compliant with 2026 ATO • Reserve Bank of Australia (RBA) standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
Eligible for the full Queensland First Home Owner Grant.
FHOG = State Grant ($10k - $30k) if (New Build = True AND Price ≤ $750,000 AND First Owner = True)Grant is paid directly to your mortgage lender at settlement or first construction drawdown.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual ATO tax rates, superannuation rules, RBA cash rates, and lender criteria may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult an ASIC-licensed financial advisor or CPA prior to executing financial commitments.
No. Across all Australian states and territories, the First Home Owner Grant is strictly reserved for buying or building a brand-new home, substantially renovated home, or off-the-plan property.
Queensland (QLD) doubled its First Home Owner Grant to $30,000 for eligible new home builds with a purchase price under $750,000.
At least one applicant must be an Australian citizen or permanent resident, and you must occupy the home as your principal place of residence for a continuous period of at least 6 to 12 months.
Calculate net take-home pay across weekly, fortnightly, monthly and annual periods with updated Stage 3 tax cuts, Medicare Levy (2%), and 12% Superannuation.
Calculate compulsory HECS/HELP repayments based on your Repayment Income (1% to 10% tiers) and estimate annual inflation indexation impacts.
Estimate your 2% Medicare Levy, low-income threshold phase-in relief, and Medicare Levy Surcharge (MLS 1% to 1.5%) if you do not have private hospital cover.