Superannuation Advice and EOFY Super Strategies 2026

Published 21/03/2026 
By Daniel McLean, Authorised Financial Adviser

As 30 June approaches, superannuation becomes one of the most important financial planning conversations we have with our clients all year.

The months and weeks before EOFY are a valuable window to review your contributions, tax deductions, and can strengthen your retirement strategy, with a financial adviser at Frontier. 

For the 2025-26 financial year, the concessional contributions cap is $30,000, the non-concessional contributions cap is $120,000, and the super guarantee rate is 12% for salary and wages paid from 1 July 2025. Those settings create real planning opportunities, but only when they’re approached carefully and in the context of your broader goals. ¹ ² ³                     

Rushing decisions in the final weeks of June often means missed opportunities or strategies that don’t quite fit. Smart EOFY super planning means taking the time to reassess your current strategy, identify your untapped opportunities, and make your next step one that makes sense not just for 2026 but for all the years that follow.

“The aim is to make informed super decisions, not rushed ones. A well-timed review before 30 June could significantly improve your tax outcomes now - while also supporting your longer-term retirement plans.”

- Daniel McLean, Authorised Financial Adviser at Frontier Finance Group

Why EOFY Matters for Superannuation Planning

EOFY is one of the clearest checkpoints for reviewing your super strategy. Contribution caps, salary sacrifice arrangements, tax deductions, pension payments and SMSF considerations all tend to come into sharper focus at this time of year.

Timing matters too:

“Super contributions generally count in the financial year in which the fund actually receives and processes them; not when you initiate the transfer.
That makes early to mid-June the ideal time to make last minute contributions, avoiding late June.” ¹

- Daniel McLean

For some people, the review process is simple. For others - especially those with changing income levels, multiple accounts, larger balances or an SMSF - it’s definitely worth stepping back to assess the full financial picture.

EOFY Super Strategy - Quick Reference Guide

1. Start with Your Concessional Contributions Cap

For most people, this is the first EOFY number worth checking.

Concessional contributions usually include employer super guarantee amounts, salary sacrifice contributions and personal contributions you plan to claim as a tax deduction. For 2025-26, the concessional contributions cap is $30,000. ¹

If you haven’t used your full cap in previous years, you may also be able to carry forward unused concessional cap amounts, provided your total super balance was under the relevant threshold ($500,000) at 30 June of the previous financial year. ¹

This is where personalisation really matters. Two people on similar incomes can have very different room left in their cap depending on factors like employer contributions, bonuses, job changes and any previous unused amounts. This is one of the clearest reasons to speak with a superannuation financial adviser before making any late-June contributions.

2. Consider Whether a Personal Deductible Contribution Makes Sense

A personal super contribution can be one of the cleanest EOFY strategies available - but only when it’s done properly.

For some people, making a personal contribution and claiming a tax deduction can help reduce taxable income while increasing retirement savings in a concessionally taxed environment. To claim that deduction, you usually need to submit a valid notice of intent to your superfund and receive an acknowledgement. ⁴

That may sound like a technicality, but it matters. A missed notice, late contribution, or incomplete paperwork can undermine your whole strategy.

This is where a superannuation adviser can compound in value. It’s not just about spotting the worthwhile opportunities; it’s about getting the execution right when you go after them.

3. Review Salary Sacrifice Before the New Financial Year Begins

EOFY is not only about what you do before 30 June. It’s also a smart moment to reset your strategy for 1 July and beyond.

If you salary-sacrifice into super, now is the time to review how much is already going in and whether that amount still suits your broader plan. Since the super guarantee rate is 12% for salary and wages paid from 1 July 2025, some people are closer to their concessional cap than they realise. ³

That can be particularly important if: your income changed during the year, you received bonus payments, or you have more than one employer contributing on your behalf.

4. Don’t Ignore Spouse Contribution Opportunities

Good super planning is not always an individual matter. Sometimes the best strategy is a household one.

Depending on your circumstances, contributing to your spouse’s super may help build retirement wealth more evenly and may also create a tax offset opportunity. The ATO says a tax offset may be available if you make an eligible super contribution on behalf of your spouse, subject to the relevant income and balance thresholds. ⁵

Not every couple will align with this strategy, but it is one of those EOFY opportunities that often get missed simply because nobody paused to assess it.

5. Be Careful with Non-concessional Contributions

After-tax contributions can also be useful, especially for people closer to retirement or with the capacity to move more wealth into super.

For 2025-26, the non-concessional contributions cap is $120,000. Depending on your total super balance, the bring-forward arrangement may allow larger contributions over a fixed period. ²

These sorts of decisions are especially important not to make on instinct alone. A larger contribution can be effective, but it needs to fit with your balance, future contribution plans and broader retirement timing.

If you're considering any EOFY super contributions or simply want clarity on your current position, speaking with a superannuation adviser before 30 June can help ensure your decisions are both effective and aligned with your broader financial goals.

6. SMSF Members Should Use EOFY as a Review Point

If you already have an SMSF, the end of the financial year is a natural time to review whether the structure is still doing what it was meant to do.

That shouldn’t just mean investment performance. It also means contribution timing, record keeping, liquidity, administrative workload and whether your strategy still matches your actual goals. 

An SMSF adviser or SMSF financial adviser can help test whether the fund remains appropriate, rather than simply assuming it still is.

“An SMSF can be a highly effective structure, but only when the strategy, administration and compliance all stay in alignment. EOFY is a good time to step back and make sure your fund is still serving its intended purpose.”

- Daniel McLean

If you have an SMSF and haven’t reviewed it recently, EOFY is an ideal time to step back and reassess whether it still suits your needs.
 

Speak to an SMSF Specialist at Frontier Finance

7. Do the Smaller Super Checks People Often Leave Too Late

Some of the most valuable EOFY actions are not dramatic or difficult.

Focus on the smaller review items that improve clarity and reduce later mistakes. This is also where practical, professional superannuation advice often proves most useful. Small details can create meaningful impact when they’re handled before the deadline rather than after it.

Pre-30 June Super Checklist

Managing your super can feel like an overwhelming or abstract topic, even when there isn’t a deadline looming.

Following our simple checklist turns EOFY readiness into a clear set of actionables you can complete.

When to Seek Superannuation Advice Before 30 June

There is no single trigger, but there are a few common signs that seeking professional advice is worthwhile. You may want to speak with a superannuation adviser, superannuation financial adviser or SMSF specialist adviser if:

Serving Melbourne’s community for almost 40 years, we can confidently say that good financial advice is rarely about fads or hype, but what remains foundational for all our clients is clarity, timing, and making sure one decision doesn’t accidentally create a new set of problems elsewhere.