End of financial year 2026 key dates and checklist
Whether you're after official dates, tips or deals, we have everything you need to know about this end of financial year.
In this guide
- Today's top deals
- End of financial year deals
- End of financial year checklist
- 1. Credit cards
- 2. Superannuation contributions
- 3. Government co-contributions
- 4. Deferring income
- 5. Reduce tax further
- How to use a credit card during EOFY
- EOFY shopping and savings
- More tips to help you prepare for EOFY
- More EOFY news
More deals
Today's top deals
Quick links to EOFY sales
- Dyson
- Koala
- Amazon
- The Good Guys
- Myer
- Kogan
- Dell
- HP
- Emma Sleep
- Eva Mattress
- Oodie
- MyDeal
- David Jones
- Appliances Online
- Chemist Warehouse
The financial year is a 12-month time period that is used for tax purposes. For Australians, the financial year ends on 30 June, with the next financial year beginning on 1 July. From 1 July through to 31 October both individuals and businesses are required to submit a tax return form to the Australian Taxation Office (ATO). The ATO then uses the information on this form to determine how much tax is owed to the government, or how much the government needs to reimburse the individual/business if they have paid more tax than was owed.
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As well as being the perfect time to get your finances in order and ensure you get the best possible tax return, the end of financial year also brings about some great sales as businesses try and clear older stock models to make way for new ones. We have a selection of the deals on offer below as well as plenty more information on how to navigate the end of the financial year.
How can this guide help you?
- End of financial year deals
- End of financial year checklist
- How to use a credit card during EOFY
- EOFY shopping and savings
- More tips to help you prepare for EOFY
End of financial year deals
See a selection of the EOFY sales below or head straight to our main end of financial year deals page to see all of the deals in one place.
Stream Kayo FREE for 7 days
Stream Kayo FREE for 7 days and dive into the ultimate sports experience with live and on-demand coverage of the biggest games, events, and commentary. No lock-in contracts - just pure sporting action from AFL, NRL, cricket, motorsport, and more. Limited time offer. T&Cs apply.
Up to 80% off sale
Get up to 80% off boots, wool slippers, fluffy slides, block heels, and more at UGG EXPRESS. While stocks last. T&Cs apply.
Up to 58% off laundry packages
Shop up to 58% off laundry packages with brands like Asko, Bosch, Fisher & Paykel and more at Appliances Online. While stocks last. T&Cs apply.
$120 off Apple iPhone 14 Pro 5G
Get the Apple iPhone 14 Pro 5G, 1TB, Grade A, now for only $979, down from $1,099 at Phonebot. T&Cs apply.
Up to 32% off select soundbars at Appliances Online
Shop soundbars at Appliances online and get up to 32% off. Limited time offer. T&Cs apply.
Up to 50% off sitewide at Nautica
Get up to 50% off over 300 styles on sale at Nautica. Shop discounted jackets, hoodies, pants, sweaters, shirts, accessories, shoes and more for men, women and kids. Plus, enjoy FREE shipping on orders worth $99 or more. Limited time offer. T&Cs apply.
EXTRA 10% off Your First Groupon on Goods, Local or Travel Deals
Sign up to save and receive deals on your email. Discount capped at $30. T&Cs apply.
Additional 5% off international and domestic flights
Sign up as an Enrich member and get additional discount at Malaysia Airlines. T&Cs apply.
$20 off your first beauty products purchase
Get $20 off L'Occitane, Elizabeth Arden, FOREO and more at Amazon. Minimum spend $89. While stocks last. T&Cs apply.
26% off Bosch Serie 6 10kg/5kg washer dryer combo
Enjoy 26% off on Bosch Serie 6 10kg/5kg washer dryer combo at Appliances Online. Now down to $1,634 (was $2,099). T&Cs apply.
Bobbi Gumboots from $159.95 + FREE delivery
Shop the Bobbi Gumboots, available in different colours and sizes, starting at $159.95 and get FREE delivery at Merry People. While stocks last. T&Cs apply.
Get your first month for just $1
Get access to over 50 sports live and on-demand for $1 during your first month with no lock-in contract, cancel anytime. Offer available to select new customers only. (T&Cs apply.)
Check out BINGE with a 7-day free trial
Stream movies and full series from HBO, Warner Bros., FX, BBC, NBC, CBS, Paramount and more.
Up to 29% off annual plans at Squarespace
Save up to 29% with annual plans at Squarespace! Choose from four powerful options, including Personal, Business, Basic Commerce and Advanced Commerce. Starting at just $17/month. T&Cs apply.
Up to 50% off kitchen appliances
Save up to 50% on selected kitchen appliances from Breville, Kitchen Couture, Delonghi, Nutribullet, Tefal and more at Myer. While stocks last. T&Cs, exclusions apply.
Up to 50% off Origin Mattresses + FREE delivery
Enjoy huge discount on Origin mattresses, bed bases, pillows, and bed bundles. Hurry, valid for a limited time only. T&Cs apply.
5% off your orders at Global Shop Direct
Use the code at checkout to get a 5% discount when you order at Global Shop Direct. Exclusions, T&Cs apply.
$120 in FREE gifts on Copper Chef Titan Pan
Get $120 worth of FREE gifts + bonus accessories and 3 year limited warranty when you order the Copper Chef Titan Pan at Global Shop Direct. While stocks last. T&Cs apply.
Up to 42% off deep-cycle batteries and inverters
Don't miss out on savings of up to 42% on selected deep-cycle batteries and inverters at Renogy. Limited time offer and while stocks last. T&Cs, exclusions apply.
Up to 70% off + FREE shipping on top deals
Enjoy up to 70% off selected products from some of the top brands at eBay. While stocks last. T&Cs apply.
TV sale starting from just $245
Shop, save and get great deals when you buy a TV online at The Good Guys. Choose from across leading brands such as Samsung, LG, Hisense, Panasonic and Sony. T&Cs apply.
Up to 58% off: Price Drop Sale
Save big daily with up to 58% off selected homeware, furniture, appliances and more at MyDeal. Hurry, while stocks last. T&Cs apply.
Up to 40% off sale + FREE shipping
Enjoy up to 40% discount on sale items at ECCO plus get FREE shipping on orders over $180. While stocks last. T&Cs apply.
Up to 70% off women's sale
Get up to 70% off from the finest designers, including ASICS, P.E Nation, and Versace at FARFETCH. While stocks last. T&Cs apply.
40% off Premium Car Charger + FREE delivery
Get the Premium Car Charger for only $29.99, plus enjoy FREE delivery Australia-wide. T&Cs apply.
Further 90% off clearance
score further 90% discount on clearance sale items at Freedom Furniture. T&Cs apply.
10% off your orders with code
Use this code upon checkout to enjoy 10% off your orders at Newentor for a limited time only. Plus enjoy fast and FREE shipping on all your orders. T&Cs apply.
60% off men's weekend pullover hoodie
Get the men's weekend pullover hoodie now for only $35.98, down from $89.95. T&Cs apply.
FREE shipping and returns
Enjoy FREE shipping and returns on any of your mattress orders at Peacelily. T&Cs apply.
Up to 50% off + FREE shipping
Enjoy savings on baby clothing for girls and boys at Bespoke Baby. Plus, enjoy FREE shipping on orders over $200. T&Cs apply.
$25 off iHealth NEXUS Wireless Body Analysis Scale
Limited time offer. While stocks last at FitTrack Australia.
10% off your first order
Subscribe to Aussie Pharma Direct's newsletter and first time customers can enjoy 10% off orders worth $150. T&Cs, exclusions apply.
End of financial year checklist
Before you get stuck into your tax return this year, make sure you have considered the following:
1. Credit cards
Make good use of your tax return by using it to pay off any credit card debt you may have. Rather than using the cash you receive to fund more purchases, use it to pay off your debts and get your financial situation back on track.
2. Superannuation contributions
With the end of financial year coming up, you might want to consider making a tax-deductible super contribution. If less than 10% of your income is derived from eligible employment, for example if you are self employed or simply don’t have a job, contributing to your super account can be a wise financial decision. This allows you to save on the amount of tax you will have to pay by maxing "after-tax" contributions, plus you can make contributions of up to $25,000 in this financial year and greatly increase your super balance.
If you’re an employee, it’s a good idea to sacrifice your pre-tax salary straight into your super account. This can greatly reduce the amount of tax you have to pay on your salary and obviously also help build your super account.
3. Government co-contributions
Though many people aren’t aware of it, they’re actually eligible for government co-contributions to superannuation. If you earn less than $48,516 per year, 10% of which must be from employment or a business, the Australian government will match a certain amount of your after-tax super contributions up to a total of $500. The contribution you receive from the government is entirely tax-free.
You’ll need to be a permanent Australian resident or citizen during the financial year in question and must be less than 71 years of age. Taking advantage of this government offering is a great way to save money for your retirement, ensuring you have enough funds to get by when you are no longer earning an income.
4. Deferring income
For businesses, while it's generally a good idea to claim deductions as soon as possible, the usual rule is to defer income to the following financial year. Taking this step will obviously reduce the amount of tax you'll have to pay for this financial year and could also let you take advantage of any proposed future tax cuts.
Deferring your income to future tax years can also be a viable option for individuals, again allowing you the possibility of taking advantage of tax cuts.
5. Reduce tax further
There are a number of other steps you can take before the end of the financial year to further reduce the amount of tax you will have to pay. The first place to start is with investments. If you have an investment in your name, it may be a wise financial move to cash out that investment and then use the resulting cash to make an after-tax super contribution. As above, this not only helps build your retirement savings but also lessens the amount of tax you will have to pay.
Another option you can consider is contributing to your spouse’s super. If you are earning more than your partner and would like to top up their retirement savings, you could be eligible for a tax break. Conditions do apply, of course, so you’ll need to assess your own financial situation before deciding whether this is a viable option for you.
If you have income protection insurance cover, you might want to pre-pay your premiums 12 months in advance to take advantage of a tax deduction. Some people can benefit from tax concessions for taking out life or TPD cover through their super, while pre-paying investment loan interest can also help you pay less tax.
Finally, if your investments have resulted in capital gains, consider selling a poorly performing investment to use your capital loss to offset the taxable capital gain.
How to use a credit card during EOFY
At this time of year it can often be hard not to be seduced by the savings and discounts offered in end of financial year sales. However, splurging out on a few bargain purchases with your credit card can quickly see you get in over your head as interest charges start to add up.
A great tip for this time of year is to use a credit card with an introductory rate on purchases. Some cards offer a 0% p.a. interest rate for an introductory period, while others will offer a very low rate for a certain time frame. As long as you can be sure of paying off your balance before the introductory period ends, you shouldn't have a problem. Of course, if you plan on keeping the credit card for longer than this period, make sure you take into account the regular features that will apply when the promotional period expires.
EOFY shopping and savings
The end of financial year also means that many retailers are looking to offload excess stock at reduced prices. Remember to shop around and compare the savings you can get from each retailer. Shopping online can be a great way to save money and it also means you don't have to deal with the masses of people who often flock to these events.
More EOFY deals
End of financial year fashion sales
End of financial year computer and electronics sales
End of financial year beauty sales
End of financial year furniture and homewares sales
End of financial year travel deals
More tips to help you prepare for EOFY
- Get organised. How often do you end up struggling to find important documents, receipts and the like when tax time rolls around? Do yourself and your accountant a favour and set up a simple, organised filing system well in advance. This will save you both time and stress.
- Research your options. Do you know what you can claim deductions for? Is the Australian Tax Office (ATO) introducing changes that you could benefit from? A little bit of research can go a long way when it comes to the amount of money you get back.
- Make a list. To help get organised it can be a good idea to create a checklist of all the documents you’ll need. This can include PAYG and bank statements, dividend statements, private health insurance statements, plus the all-important receipts for everything from work expenses to charitable donations.
- Business matters. Business owners need to organise all receipts and records before tax time rolls around. Calculating your income and expenses is a must, and the use of business accounting software can make this task a whole lot easier.
With a little bit of preparation and some simple research, you can save yourself a whole lot of time and money at tax time. For more information on getting the most out of the end of the financial year, speak to your accountant.
More EOFY news
10 Jul 2025
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Main image: Getty Images
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