The three, sorted out
Topsoil
The upper layer of soil with the organic matter, nutrients and structure that plants need. It is what you spread for garden beds, lawn underlay and any planting. Quality topsoil is screened, and for specified jobs it is supplied to a standard like AS 4419. It is not a structural material; it holds moisture and compresses, so you never build a pad on it.
Fill (clean fill)
Inert, compactable material used to raise site levels, build up pads and bring ground to grade. Good fill compacts and carries load without settling unevenly. "Clean" means it is free of contamination and rubbish, which matters because the moment soil leaves a site it is regulated. See clean fill vs contaminated soil.
Fill dirt
The budget end: subsoil and excavated material with little or no organic content, used for bulk filling where nothing needs to grow and the engineering demands are low. It is cheaper because it is whatever came out of someone else’s hole, screened of the worst of the rubbish. Useful for filling a void, not for a building pad with a spec.
Side by side
| Topsoil | Fill | Fill dirt | |
|---|---|---|---|
| Purpose | Growing plants & turf | Raising levels, pads | Cheap bulk filling |
| Organic content | High | Low | Very low |
| Compacts well? | No (and you would not want it to) | Yes | Variable |
| Grows plants? | Yes | No | No |
| Relative cost | Highest | Mid | Lowest |