Sewage sludge, a byproduct of wastewater treatment, poses serious environmental and health risks due to its content of organic contaminants, heavy metals, and pathogenic microorganisms. With the growing global production of municipal wastewater, finding effective methods for managing and disposing of sewage sludge has become increasingly urgent. Traditional methods such as land disposal, dumping, and incineration have limitations and environmental drawbacks. However, recent advancements have shown promise in the valorization of sewage sludge, particularly through pyrolysis, which converts it into biochar for use in soil amendment and pollutant mitigation. This study aims to characterize and fractionate phosphate-amended sewage sludge biochar produced at 300 °C, 400 °C, and 500 °C, and to evaluate its potential use in soil-plant systems. It examines nutrient bioavailability in soil after the addition of this biochar and its effects on plant growth. The pyrolysis process resulted in biochar with high alkalinity (7.2–11.1), ash content ranging from 56.9% to 87.3%, and significant phosphorus retention, with phosphorus concentrations increasing with pyrolysis temperature (5.35%–9.38%). Phosphorus fractionation showed a shift toward more stable fractions particularly at 500 °C. Soil incubation experiments indicated increased phosphorus availability with HCl-extractable P showing a high extraction efficiency of up to 94.95%. In plant growth experiments, the amended biochar significantly enhanced growth, with corn showing an increase of up to 28.8% and wheat showing an increase of up to 86% compared to the control in the first four weeks after emergence. These findings indicate that phosphate-amended sewage sludge biochar enhances nutrient availability and supports plant growth, providing a sustainable solution for sewage sludge management, contributing to soil improvement and carbon sequestration, thereby addressing global environmental challenges.