Australian EOFY Tax Checklist 2025

Tick off every action before 30 June 2025 to maximise your tax return and avoid ATO penalties. Progress saves automatically.

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Why EOFY Preparation Matters in Australia

The Australian financial year runs from 1 July to 30 June. The weeks leading up to 30 June are the most important window for Australian taxpayers — many deductions, contributions, and elections must be actioned before 30 June to count for the current financial year. Missing the deadline can cost hundreds or even thousands in lost deductions.

The ATO reports that Australians leave billions in unclaimed deductions on the table each year. Common missed opportunities include salary sacrifice arrangements, prepaid expenses, small business immediate deductions, and super contribution catch-up rules.

Key EOFY Deadlines for 2024-25

30 June 2025 — Last day to make personal superannuation contributions, prepay deductible expenses, donate to DGRs (deductible gift recipients), and execute any tax-planning strategies for FY2024-25.

28 July 2025 — Quarter 4 (April–June) BAS due for most businesses on quarterly reporting.

31 October 2025 — Individual tax return lodgment deadline if lodging yourself (no agent). Registered tax agents have extended deadlines.

15 January 2026 — Typical agent lodgment deadline for prior-year returns filed through a registered tax agent.

Superannuation EOFY Tips

Super is the most powerful EOFY lever for most Australians. Key actions before 30 June:

Concessional (pre-tax) contributions — cap is $30,000 for FY2024-25 (up from $27,500). Includes employer SG contributions (11.5% in FY2025). Any unused cap from the last 5 years can be carried forward if your super balance is under $500,000.
Non-concessional contributions — up to $120,000/year, or $360,000 over 3 years using the bring-forward rule. No tax deduction but grows tax-free inside super.
Government co-contribution — if you earn under $58,445 and make a $1,000 personal (after-tax) super contribution, the government contributes up to $500.
Spouse super contributions — contributing to a lower-income spouse's super earns up to $540 tax offset if their income is under $40,000.