EOFY · Action Plan

EOFY Action Plan

Free EOFY 2026 tax tips for Australia. Answer 7 quick questions to see your top pre-30 June actions: super top-up, IAWO, prepay interest, DGR, CGT timing.

Australia 2026-27Deadline 30 June
01 —INPUTS
02 —RESULTS

Up to $11,805 potential lift

3 actions apply to you · 291 days to 30 June

03 —BREAKDOWN

Your ranked actions

FHSS Eligibility

No fixed deadline (career-long contribution scope)
Up to $8,000

Why: If you are saving for a first home, FHSS lets you withdraw up to $50,000 of voluntary super contributions plus deemed earnings at concessional rates.

Do: Salary-sacrifice or make personal deductible contributions (up to $15,000/year); release request must be lodged before signing a contract.

Representative saving on 50% of $50,000 cap × marginal — refine in the FHSS calculator with your contribution history.

Open the FHSS calculator →

Concessional Super Carry-Forward

30 Jun 2027
Up to $3,485

Why: Your YTD concessional contributions of $12,000 are well below the $32,500 cap — and you may have unused cap from the past 5 years.

Do: Make a personal deductible contribution to use this year's cap; check the carry-forward calculator for prior-year headroom that may add up to $150k more.

(annual cap − YTD) × (marginal − 15%); prior-year unused cap available if total super balance < $500k

Open the carry-forward calculator →Read the carry-forward EOFY guide →

DGR Donation

30 Jun 2027
Up to $320

Why: A $1,000 donation to a Deductible Gift Recipient saves $320 at your marginal rate.

Do: Donate before 30 June and keep the receipt; only DGR-endorsed charities qualify.

$1,000 × marginal rate (32%) — scales linearly with donation size.

Read the DGR donation timing guide →
Edit inputs ↑
FAQ
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.
How does Budget 2026-27 affect my EOFY tax planning?
Confirmed Budget 2026-27 measures take effect from 1 July 2026 ($1,000 instant tax deduction) and 1 July 2027 ($250 Working Australians Tax Offset, CGT discount reform, negative gearing ring-fence). For a personalised dollar estimate across all measures, see our Budget 2026-27 net impact calculator. This EOFY action plan focuses on actions you can take before 30 June 2027.

Related guides

Budget 2026 and Your EOFY Plan: Why 30 June 2027 Is the Bigger Date Budget 2026 left the 30 June 2026 EOFY mostly unchanged — but turned 30 June 2027 into the biggest single tax planning date in a generation, as the last EOFY before negative gearing and 50% CGT discount reform take effect. Notice of Intent to Claim a Super Deduction: Deadlines & Traps 2025-26 Lodge your Notice of Intent with your super fund before you file your 2025-26 return, or by 30 June 2027. The traps that void the deduction, plus a worked example. Selling Shares Before 30 June: Tax-Loss Harvesting in Australia How to use tax-loss harvesting to offset capital gains before EOFY — the wash sale rule (ATO's view), the 12-month CGT discount interaction, how to execute it properly, and which assets qualify.

Tax Accuracy & Sources

Reviewed: March 2026 · Tax year: 2026-27

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.

Related calculators

EOFY Checklist 2026 Occupation-aware EOFY checklist: documents to gather, deduction prompts, pre-30 June actions, ATO trap reminders Tax Deductions Action Plan 3-stage tax-year rhythm: track / prepay / claim. Ranks 14 levers: WFH method, car method, self-education, depreciation, laundry, prepaid interest, IAWO, DGR donations, and super contributions Share Investor Action Plan 3-stage lifecycle: buying / holding / selling. Ranks 11 levers: parcel method, CHESS vs broker-sponsored, franking credits, DRP cost-base, ETF/AMIT distributions, off-market buy-backs, non-resident deemed disposal, 12-month CGT discount, capital loss harvest, parcel selection on sale, wash-sale warning Crypto Investor Action Plan Crypto investor decisions: CGT discount, staking, DeFi, NFTs, hard-forks, lost keys, EOFY harvest Tax Refund Calculator Estimate your ATO tax refund for 2025-26 and 2026-27 with LITO, Medicare Levy 2%, MLS tiers, HELP repayment, occupation-aware deduction prompts Budget 2026-27 Net Impact Calculator See how the Federal Budget 2026-27 affects you in dollars — $1k instant deduction, WATO, Medicare levy retro, NG reform, CGT changes.
Most searched ↑↓ navigate · ⏎ open