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End-of-Year Super Contribution Checklist
Everything you need to do before 30 June to maximise your super
The end of the financial year is your last chance to boost your super and reduce your tax bill. This checklist covers what to review and action before — from checking your caps to lodging key forms.
📊 2026-27 Contribution Caps at a Glance
📝 Pre-EOFY Review Checklist
1️⃣ Check Your Contribution Cap Usage
Log into your super fund or MyGov to check your year-to-date contributions.
2️⃣ Consider Catch-Up Contributions (if eligible)
If your Total Super Balance was under $500,000 on 30 June last year, you may be able to use unused CC caps from the past 5 years.
3️⃣ Review Spouse Contribution Opportunities
If your spouse earns under , you may be eligible for a tax offset.
4️⃣ Check Co-Contribution Eligibility
If your income is under $64,293, you may be eligible for up to $500 free from the government.
5️⃣ Contribution Splitting (for prior year CC)
You can split up to of last year's concessional contributions to your spouse before 30 June.
📤 Action Checklist: Making EOFY Contributions
For Salary Sacrifice (Employees)
For Personal Contributions (Anyone)
For Personal Deductible Contributions
⚠️ Notice of Intent must be lodged before you lodge your tax return (and generally before starting a pension/withdrawing/rolling over from that fund).
For Downsizer Contributions (if applicable)
📅 EOFY Timeline
Review & Plan
Check caps, calculate remaining space, identify opportunities
Submit Forms
Lodge any splitting applications and adjust salary sacrifice if required
Practical Cutoff ⚠️
Make personal contributions by this date to help ensure they're received by 30 June
Final Deadline
Contributions must be received by your fund to count for this financial year
Lodge Notice of Intent
For personal deductible contributions (before lodging your tax return)
⚠️ Common EOFY Mistakes to Avoid
Waiting Until 30 June to Contribute
Contributions sent on 30 June are often received in July — missing the deadline entirely.
Forgetting Final Employer Contributions
Your employer's final SG payment (and any bonus contributions) can push you over the cap. Check expected timings and amounts.
Not Lodging a Notice of Intent
Personal contributions without a valid Notice of Intent become NCC — no tax deduction.
Exceeding the NCC Cap
Excess NCC outcomes can be harsh. Double-check your Total Super Balance and cap availability before contributing.
Print Your Checklist
Print this page to work through your EOFY super tasks offline.
Where to Next?
Need Help Before EOFY?
Choose the support level that fits — DIY learning, a quick coaching call, or full advice implementation.
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