Financial year timeline: July to June

Spread the jobs across the year and June stops being a scramble.

1. July
   New caps and tax rates start on 1 July (2026–27: concessional cap $32,500). Wait until your income statement is marked "tax ready" in myGov before lodging. Review your budget and set up salary sacrifice for the new year.
2. August–September
   Gather receipts, your work-from-home hours and investment statements. Book in with your tax agent if you use one.
3. October
   Lodging your own return? It's due 31 October (next business day if that's a weekend). Using a registered tax agent? Get on their books by 31 October.
4. November
   Tax bill from a self-lodged return is generally due 21 November. Check your super statement and insurance inside super.
5. December–January
   Mid-year check: are you on track with super contributions and savings goals? Review insurance and your will before the holidays.
6. February–March
   Plan any catch-up concessional contributions and check your total super balance. Talk to your adviser about investment rebalancing.
7. April–May
   Work out whether to bring forward deductible costs or defer income. Confirm notice-of-intent paperwork for personal contributions you'll claim.
8. June
   Make contributions early: funds need to receive them by 30 June, and payments can take days. Record your final work-from-home hours. Diary 1 July for next year.

Employers: from 1 July 2026, super guarantee is paid with each payday under Payday Super instead of quarterly.

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