January
New year financial reset
Plan super contributions for the rest of FY
Six months remain until 30 June. Check your concessional cap usage and plan any salary sacrifice or additional voluntary contributions.
Set annual financial goals
Review savings targets, investment contributions, and debt repayment plans for the new calendar year.
Review super investment option
Check your fund's investment option allocation against your age and risk tolerance. High-growth options suit long time horizons.
Private health insurance review
Most funds notify members of premium changes effective 1 April. Review your cover and compare alternatives now.
February
Super and debt review
Due 28 JanQ2 SGC: confirm receipt by fund
Employer contributions for the October–December quarter were due 28 January. Check your super fund statement to confirm they were received.
Review carry-forward concessional contributions
If your super balance is below $500,000, unused cap amounts from the past five years may be available to top up this year.
Check HECS/HELP balance
The 1 June CPI indexation date is four months away. High-balance holders should consider whether a voluntary repayment makes sense.
Super fund half-year performance reports
Most funds publish results for the October–December period. Review returns and compare your fund against comparable options.
March
Pre-EOFY planning begins
Start EOFY tax planning
Three months until 30 June. Review your income, deductions, and capital gains realised so far this financial year.
Review capital gains and losses
Consider realising losses before 30 June to offset gains. Check your holdings for embedded losses that could reduce this year's CGT bill.
Due 28 AprQ3 SGC approaching: due 28 April
Employer contributions for the January–March quarter are due 28 April. Confirm salary sacrifice is configured correctly.
Adjust salary sacrifice for remaining cap
Calculate remaining concessional cap room and adjust contributions to use it without exceeding the $30,000 annual limit.
April
Super contributions and EOFY preparation
28 April28 April: Q3 SGC due
Employers must pay super contributions for the January–March quarter by 28 April. Check your fund statement after this date.
Maximise concessional contributions
Two months until 30 June. Calculate remaining cap room and consider additional voluntary concessional contributions or increased salary sacrifice.
1 April1 April: Private health insurance premiums rise
Most private health funds apply annual premium increases from 1 April. This is the last moment to lock in rates with your current fund or switch.
Portfolio review
Three quarters into the financial year is a good time to assess performance and rebalance if your target asset allocation has drifted.
May
Federal Budget and HECS indexation window
Federal Budget (typically second Tuesday of May)
The Federal Budget announces changes to tax rates, super rules, and thresholds. Review announcements carefully for what takes effect from 1 July.
By 31 MayHECS/HELP: voluntary repayment before 1 June indexation
Any voluntary repayments received by the ATO before 1 June reduce the balance before CPI indexation is applied. The window closes on 31 May.
Finalise EOFY super contributions
This is the last full month to arrange additional super contributions. Allow several business days for processing, as contributions must be received by your fund by 30 June.
Gather tax deduction records
Compile receipts, work-from-home logs, and investment statements in preparation for tax return lodgement from 1 July.
Calculators
June
End of Financial Year (the most important month)
1 June1 June: HECS/HELP debt indexed to CPI
Outstanding HECS/HELP balances are increased by the annual CPI indexation rate. Voluntary repayments must be received before this date to reduce the base amount.
30 June30 June: End of Financial Year
All FY tax planning must be completed by end of day 30 June. This includes super contributions, deductible expenses, CGT timing, and Medicare Levy Surcharge actions.
Make final concessional super contributions
Voluntary and salary sacrifice contributions must be received and allocated by your super fund by 30 June to count in this financial year. Allow extra processing time.
Harvest capital losses before 30 June
Sell investments with embedded losses to offset capital gains realised during the year. Losses must crystallise before 30 June to count this FY.
Medicare Levy Surcharge check
If your income exceeds $93,000 (singles) and you don't hold private hospital cover, you'll pay an MLS of 1–1.5%. Taking out cover before 30 June can avoid or reduce this.
Calculators
July
New financial year begins
1 July1 July: New financial year
New ATO income tax brackets, updated SGC rate, and refreshed concessional and non-concessional super caps take effect from today.
Lodge tax return (available from 1 July)
Individual tax returns can be lodged from 1 July once your employer submits their STP finalisation. Most refunds are paid within 2 weeks of electronic lodgement.
28 July28 July: Q4 SGC due
Employers must pay super contributions for the April–June quarter (the final quarter of the prior FY) by 28 July.
Update salary sacrifice for new FY
Adjust your salary sacrifice amount to reflect any pay increases and plan contributions against the new annual concessional cap.
Set new FY savings and investment targets
A fresh financial year is the ideal time to review your budget, savings rate, and super strategy against updated rules.
August
Tax refunds and dividend season
ATO refunds processing
If you lodged your return in July, most refunds are paid within 2 weeks for electronically lodged returns. Check your MyGov inbox for the assessment.
ASX full-year reporting season
Major ASX companies report annual results and announce final dividends in August. Review portfolio income, dividends, and franking credit entitlements.
Track FY investment income for next return
Dividends, distributions, and interest received since 1 July will need to be declared in next year's return. Start tracking them now.
Confirm Q4 SGC was received
Check your super fund statement to confirm employer contributions for the April–June quarter (due 28 July) were allocated correctly.
September
Mid-year review and tax deadline prep
Prepare for 31 October tax return deadline
If you haven't lodged your tax return, the 31 October self-lodgement deadline is approaching. Engage a tax agent now if you need an extension.
Q1 SGC (July–September) closes
The first quarter of the new FY ends 30 September. Employer contributions are due 28 October, check your super fund statement after that date.
Net worth mid-point check
A quarter into the new financial year: Review assets, liabilities, and progress toward annual savings and debt reduction goals.
Review income protection and life insurance cover
September is a good time to review whether insurance coverage inside and outside super still matches your circumstances.
October
Tax return deadline and super performance review
31 October31 October: Individual tax return deadline
The deadline to lodge your FY tax return without a registered tax agent. Miss it and the ATO may charge a failure-to-lodge penalty. Lodge online via MyTax or myGov.
28 October28 October: Q1 SGC due
Employers must pay super contributions for the July–September quarter by 28 October. Confirm your fund received them before month end.
Medicare Levy Surcharge review
If your income is approaching $93,000 and you don't hold private hospital cover, now is the time to act. Cover must be in place for the full period to avoid MLS.
Super fund quarterly performance review
Three months into the new FY. Review your investment option returns and compare your fund against benchmarks and peers.
November
Mid-year contribution planning
Review year-to-date concessional contributions
Check how much of your $30,000 annual concessional cap has been used (employer SGC plus salary sacrifice). Adjust contributions for the remaining months.
Estimate full-year income and tax liability
With five months of the FY remaining, model your likely tax outcome and consider whether a PAYG variation or additional deductions apply.
Rebalance investment portfolio
Market movements over the year may have shifted your asset allocation away from your target. November is a good time to rebalance.
Begin HECS indexation planning
Seven months until 1 June indexation. If you plan a voluntary repayment before indexation, begin estimating the amount and saving.
Calculators
December
Year-end financial checklist
Review holiday spending and credit card debt
Christmas and end-of-year spending can accumulate quickly. Plan repayments to avoid carrying high-interest credit card balances into January.
Due 28 JanQ2 SGC approaching: due 28 January
Employer super contributions for the October–December quarter are due 28 January. If you run a business, budget for this payment now.
Update salary sacrifice for the new calendar year
If your employer runs a calendar-year review cycle, December is the time to update your salary sacrifice arrangement for January onwards.
Annual net worth snapshot
Take a full year-end net worth snapshot and compare against the same time last year to measure overall financial progress.
Check carry-forward super contributions
Unused concessional cap amounts roll forward for five years. Review your ATO MyGov account to see what carry-forward room is available for the rest of the FY.
Calculators
Dates are indicative only. Specific deadlines depend on your circumstances, employer arrangements, and whether you use a registered tax agent. SGC due dates are standard for most employers; BAS reporters and those on payment plans may have different schedules. Always verify current deadlines with the ATO.