How do FHSS contributions, timing and earnings work?

 Author: KaraATO(Community Support)Community Support

20 Apr 2026

Hi @Rtsang,

No need to formally register before making voluntary contributions, but you’ll want to self-assess whether you’re going to be eligible to apply and make sure your contributions will be eligible themselves.

There is a general order to the FHSS scheme, which I encourage you to have a read through.

To answer your question about timing - while there is a first in first out rule regarding which contributions are used first, yes, your understanding looks correct. If you’ve contributed $15K of eligible (concessional and non-concessional) amounts in April 2026 and then another $15K of eligible amounts in July 2026, they should be released after you:

• submit your determination before settlement,
• can see those amounts on your determination for before finalising (contributions must be present in the superfund reporting as well), and
• submit the release request to have them paid into your nominated bank account.

Yes - you'll also be able to access an amount of associated earnings on both your concessional and non-concessional contributions.

To determine how much of the annual limit ($15,000) and overall year limit ($50,000) you’ve used, you need to assess all voluntary contributions in full regardless of if they are concessional or non-concessional.

It’s best to read through the FHSS info on our website, top to bottom as well as our article on what you need to know about First Home Super Saver (FHSS) to fully understand how the scheme works.