Hi,
I'm trying to do an after-tax super contribution (of 15k) and include it in my first home super saver scheme withdrawal within the same financial year, but then claim a tax deduction at EOFY, with the 15% tax applied to make it a concessional contribution). I contacted the ATO and my super fund before making the contribution and they both claimed that this would not be an issue (plus the ATO website very specifically mentions "or non-concessional contributions that you intend to claim a tax deduction for" under the voluntary concessional contributions in the eligible contributions section). They stated that I just needed to submit Notice of Intent to Claim a Tax Deduction form before submitting the FHSS Determination. I have also seen several questions on here mentioning this as if it's not an issue. HOWEVER, in practice, after doing the contribution and notice of intent (plus getting confirmation and seeing the 15% tax in my super) when I try to input the contribution into the 'Personal super contribution deductions' (which, again, states "Include any that you intend to claim.") and select FY25-26, there is an error in the form "You do not have personal voluntary contributions for this financial year". The contribution does automatically get pre-filled into the 'Voluntary contributions' section, but as an after tax contribution.
I've called the ATO twice and gotten completely different answers each time. They initially said to wait for a few days (since I called the day after I got confirmation of my notice of intent to claim a deduction form and I saw the 15% tax come out from my super balance) and then it should auto populate in the 'Personal super contribution deductions' section of the determination form (or at least not cause an error when I input it there). I called again a week and a half later and, after initially being told I'd have to wait until EOFY (which is either completely wrong or the ATO website is objectively lying), he ended up suggesting that I should put 12,750 (15k contribution minus 15% tax that was applied by my super fund) as an after-tax contribution in the 'Voluntary contributions' section of the determination form.
The second option doesn't sound correct (and there would surely be mention of this somewhere online if it was), but I've already waited much longer than the first person suggested, plus the other person that I called before I did the contribution said I would be able to do it immediately after getting contribution of the NOI, so I've gotten 3 different answers from the ATO and none of them seem to be correct. Can anyone help?
(Sorry I rambled a bit, trying to make sure I give all of the context and the info that I've found/been told)
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