End of financial year 2025 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.

EOFY sale

Today's top deals

Edit top picks

Quick links to EOFY sales

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.

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

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.

Caravan RV Camping Caravan RV Camping

Up to 35% off caravan accessories

Get deal
Caravan RV Camping Caravan RV Camping

Up to 58% off caravan appliances

Get deal
Caravan RV Camping Caravan RV Camping

Up to 78% off camping and leisure

Get deal
UGG EXPRESS UGG EXPRESS
Clearance Sale

Up to 80% off sale

Get deal
Clearance Sale
Appliances Online Appliances Online

Up to 58% off laundry packages

Get deal
Phonebot Phonebot

28% off Apple iPhone 14 Pro 5G

Get deal
Appliances Online Appliances Online

$158 off Haier 10kg Top Load Washing Machine

Get deal
Appliances Online Appliances Online

Up to 44% off when you shop soundbar at Appliances Online

Get deal
Nautica Nautica

Up to 51% off sitewide

Get deal
Groupon Groupon

EXTRA 10% off Your First Groupon on Goods, Local or Travel Deals

Show code
Squarespace Squarespace

30% off annually: Business Plan

Get deal
Malaysia Airlines Malaysia Airlines

Additional 5% off international and domestic flights

Get deal
Amazon Amazon

$20 off your first beauty products purchase

Show code
Appliances Online Appliances Online

28% off Bosch Serie 6 10kg/5kg washer dryer combo

Get deal
RedBalloon RedBalloon
Exclusive

10% off activities with code FD300 at RedBalloon

Show code
Exclusive
Merry People Merry People

Bobbi Gumboots from $159.95 + FREE delivery

Get deal
Adrenaline Adrenaline
Exclusive

Up to 10% off adventures with code

Show code
Exclusive
Kayo Sports Kayo Sports

Stream Kayo FREE for 7 days

Get deal
BINGE BINGE

Check out BINGE with a 7-day free trial

Get deal
Squarespace Squarespace

Up to 30% off annual plans at Squarespace

Get deal
Skechers Skechers

Up to 77% off sale at Skechers

Get deal
KitchenAid KitchenAid

Up to $300 off KitchenAid appliances

Get deal
Dyson Dyson
Top Pick

Up to $600 off vacuums, purifiers and beauty range at Dyson

Get deal
Top Pick
Sephora Sephora

Up to 50% off sale at Sephora

Get deal
Myer Myer

Up to 65% off kitchen appliances

Get deal
Origin Mattress Australia Origin Mattress Australia

Up to 20% off Origin Mattresses + FREE delivery

Get deal
Global Shop Direct Global Shop Direct
Exclusive

5% off your order at Global Shop Direct with code FINDER5

Get deal
Exclusive
Global Shop Direct Global Shop Direct

$120 in FREE gifts on Copper Chef Titan Pan

Get deal
Renogy Renogy

Up to 42% off deep-cycle batteries and inverters

Get deal
The Oodie The Oodie

Up to $157 off kids' oodie and accessories

Get deal
eBay Australia eBay Australia

Up to 60% off + FREE shipping on top deals

Get deal
The Good Guys The Good Guys

TV sale starting from just $195

Get deal
MyDeal MyDeal

Up to 42% off: Price Drop Sale

Get deal
NET-A-PORTER NET-A-PORTER

Up to 60% off sale

Get deal
ECCO ECCO

Up to 40% off sale + FREE shipping

Get deal
Farfetch Farfetch

Up to 80% off women's sale

Get deal
Just Sunnies Just Sunnies

Up to 50% off sunglasses

Get deal
Lenovo Lenovo

Up to 41% off laptop sale

Get deal
AUSTiC AUSTiC

40% off Premium Car Charger + FREE delivery

Get deal
Freedom Furniture Freedom Furniture

Further 30% off clearance

Get deal

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

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

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

How to reduce tax even 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

Main image: Getty Images

More resources on Finder

More guides on Finder Shopping

Go to site