EOFY Action Plan (Australia 2025-26)
Tell us your situation in 7 questions. We'll rank the EOFY tax-saving moves that apply to you — concessional super, instant asset write-off, prepaid interest, DGR donations, CGT timing, spouse super, FHSS — with a dollar estimate per lever and direct links to the calculators that work each one. Decide first; gather documents next.
Frequently asked questions
How is this different from the EOFY Tax Prep Checklist?
The checklist is a static list of every possible item — documents, deductions, traps. The Action Plan asks 7 questions about your situation and ranks only the levers that actually apply to you, with a dollar-saving estimate for each. Use the Action Plan first to decide what to do; use the checklist next to gather what you need.
What is the "Up to $X" headline?
It is the sum of dollar savings across the levers we have surfaced for you. Most users will action 1–3 of these levers, not all of them, so treat the headline as an upper bound. Each card breaks out the per-lever saving so you can pick the ones that apply.
Why does the Concessional Carry-Forward lever sometimes show and sometimes not?
Carry-forward unlocks unused cap from the past 5 years if your total super balance was below $500,000 at 30 June last year. We surface this lever when your YTD contributions look low (under 50% of the annual cap), since that is the population most likely to have prior-year unused cap. Use the linked calculator to confirm your real balance and prior-year amounts.
How do the Division 293 / Division 296 warnings work?
Division 293 adds an extra 15% tax on concessional contributions when your taxable income plus concessional contributions exceed $250,000. Division 296 (passed March 2026, dual-tier $3M / $10M) adds 15% to 25% to earnings on the portion of your Total Super Balance over $3 million. We surface these as warnings, not actions — confirm your real numbers in the linked calculators.
Tax Accuracy & Sources
This calculator is an estimate tool and may not cover all personal circumstances. For state-based taxes, confirm details with your state or territory revenue office.