30 June
EOFY and tax timing for business purchases
The $20,000 instant asset write-off, the installed-ready-for-use test, GST credits and ATO debt — the tax-calendar rules that change when to buy.
Instant asset write-off 2026
The $20,000 instant asset write-off is now permanent from 1 July 2026. What that changes about when to buy, the timing test that still matters, and traps.
Read the guide →EOFY equipment finance
EOFY equipment finance without the June scramble: when to start, what dealers and lenders need, and how to get gear installed ready for use by 30 June.
Read the guide →Installed ready for use
What does first used or installed ready for use by 30 June mean for your deduction? Delivery vs installation, part-shipments and protecting your timing.
Read the guide →Buy in June or July?
Should you buy equipment before or after 30 June? How deduction timing, cash flow, BAS dates and supplier deals change the answer for your business this year.
Read the guide →GST credits on big buys
How to time a big equipment purchase around your BAS so the GST credit comes back sooner: cash vs accrual, tax invoices, quarter ends and the cash gap.
Read the guide →ATO debt: now or later?
Since 1 July 2025, ATO interest charges aren't tax deductible. What that means for paying tax debt now or later, payment plans versus refinancing, and timing.
Read the guide →Stock before EOFY?
Should you buy stock before EOFY? Why unsold stock usually doesn't cut your tax bill, when buying ahead still makes sense, and how to fund it calmly.
Read the guide →Price the decision before you make it
Every guide here comes back to the same test: what does waiting cost in dollars, and what does borrowing cost in dollars? The cost-of-waiting calculator puts both side by side, and the now-or-later quiz gives you a quick read on the rest. When you're ready, a 60-second enquiry gets a real person working on your numbers — no credit check to ask.
Decided now is the time? See if you qualify.
A 60-second enquiry, no credit check to ask, and one lending specialist who works on your numbers rather than passing them around. If waiting looks smarter, we will say so.
Enquiring won't touch your credit file
No spray and pray
A real person does the thinking