EOFY Planning Hub

End-of-financial-year action checklists, deduction-timing strategies, and 30 June deadlines for individuals and small businesses.

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Articles in this hub (14)

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.

May 2026

Tax-Deductible Donations Before 30 June 2026 — DGR Timing, Traps, and the 5-Year Spread (ATO)

A donation is deductible in the year it is paid, not the year the receipt arrives. BPAY cut-offs, credit-card settlement lag, workplace giving, PAF top-ups, and when a $5,000 gift can be spread across 5 income years under ITAA 1997 s 30-18.

April 2026

Instant Asset Write-Off 2026: $20k Threshold + 30 June Deadline

$20,000 instant asset write-off ends 30 June 2026 for SBE under $10M turnover. When 'first used' beats invoice date, plus 5 EOFY timing scenarios.

April 2026

Prepay Investment Loan Interest Before 30 June 2026 — The 12-Month Rule (ATO)

The ITAA 1936 s 82KZM 12-month rule lets individual investors deduct up to 12 months of prepaid loan interest this FY. A worked example on a $600k loan, when it backfires, and the ATO's eligible service period test.

April 2026

Notice of Intent to Claim a Deduction (NAT 71121) — EOFY 2025-26 Deadline (ATO)

Lodge your Notice of Intent with your super fund before you lodge your 2025-26 tax return — or before 30 June 2027, whichever is earlier. Common traps that void the deduction, a worked example, and the exact paperwork sequence.

April 2026

EOFY Carry-Forward Unused Concessional Cap 2025-26 — Catch-up Super Strategy (ATO)

Carry forward up to 5 years of unused concessional cap if your 30 June total super balance was under $500k. Worked example and EOFY checklist for 2025-26.

April 2026

EOFY Deduction Strategies for Employees (2025-26): Maximise Before 30 June

Practical guide to maximising work-related tax deductions before 30 June 2026, covering equipment purchases, WFH records, prepayments, and charitable donations.

March 2026

EOFY Capital Gains Tax Planning (2025-26): Sell Before or After 30 June?

How the timing of asset sales around 30 June affects capital gains tax, including the 12-month discount, capital losses, and wash sale risks.

March 2026

EOFY Medicare Levy Surcharge Check (2025-26): Do You Need Private Health Before 30 June?

How to check whether you need private health insurance before 30 June to avoid the Medicare Levy Surcharge, including income thresholds and cost comparisons.

March 2026

EOFY Property Investor Checklist (2025-26): Rental Deductions Before 30 June

Checklist of rental property tax deductions and actions for Australian property investors to review before 30 June 2026.

March 2026

EOFY Super Contribution Deadline 2025-26: Last Day to Top Up Before 30 June

Key deadlines and cap limits for making super contributions before 30 June 2026, including concessional, non-concessional, and carry-forward rules.

March 2026

EOFY Tax Checklist for Individuals (2025-26): What to Do Before 30 June

Practical checklist of tax actions Australian individuals should take before 30 June 2026 to reduce taxable income and avoid missed deductions.

March 2026

EOFY Tax Checklist for Small Business (2025-26): Key Actions Before 30 June

Essential end-of-financial-year actions for Australian small businesses including asset write-off, BAS reconciliation, super payments, and trust distributions.

March 2026

Trust Distribution Deadline: Why 30 June Resolutions Matter (2025-26)

Why trustees must make distribution resolutions by 30 June, what happens if they don't, and how streaming rules apply to capital gains and franking credits.

March 2026