5 super moves to make before 30 June 2026
The financial year ends in less than eight weeks, and your superannuation has five levers you can still pull. Most Australians let the June 30 deadline pass without realising the window was open. The moves below are straightforward, available regardless of which fund you use, and several require nothing more than a phone call or an online form.
Why 30 June actually matters for your super
For most financial decisions, time is elastic. June 30 is different. It is a hard stop that resets several of the tax benefits available to super members, and unlike a market cycle, you cannot wait for conditions to improve and catch up.
Justin Medcalf, Co-Founder of UNLESS Financial and a Certified Responsible Investment Adviser with nearly 20 years of experience in ethical finance, puts it plainly, “The end of the financial year is one of the few moments when the system hands you a genuine lever. The concessional contributions cap, the co-contribution threshold, the spouse offset, and all of these expire on June 30 and begin again on July 1 at zero.”
For example, if your taxable income sits between $45,001 and $120,000, making an additional $5,000 concessional contribution before June 30 saves you roughly $1,600 in income tax. Miss the deadline and that saving is gone.
Move 1: Top up your concessional contributions
The most direct move is a concessional contribution, made before income tax, up to the $30,000 annual cap. Start by logging into MyGov and checking your ATO super transaction history. Subtract your employer's year-to-date contributions from $30,000 and you have your remaining cap.
At $80,000 taxable income, contributing an additional $5,000 concessionally saves roughly $1,600 in income tax. At $120,000, the same contribution saves around $1,875. If your super balance was below $500,000 on 30 June 2025, you may also be able to carry forward unused cap from previous years, making your effective cap much higher than $30,000.
Moves 2 to 5: The full checklist
The remaining four moves cover spouse contributions, the government co-contribution, consolidating accounts, and reviewing your investment option. Each has specific eligibility rules, income thresholds, and steps that are worth knowing before you act.
Subscribe to the Ripple Effects newsletter below and we'll send you the complete checklist, with full details on all five moves, the exact income thresholds, and the steps to take this week.
This article contains general information only and does not constitute personal financial advice. UNLESS Financial Pty Ltd is authorised to provide financial services. Before acting on any information in this article, consider whether it is appropriate for your personal circumstances. You should seek advice from a licensed financial adviser.
