Interactive explainer
EOFY deal payback calculator
Enter an EOFY deal's intro price, how long the intro lasts, the ongoing price it reverts to, and a plain year-round plan price. The calculator shows the real twelve-month cost of each and which one actually wins, because the cheapest headline is not always the cheapest year.
Compare an EOFY deal against a plain plan
Works for any monthly service you set up when moving: energy, internet or insurance. All prices are dollars per month.
Real 12-month cost
$ EOFY deal
The deal's year is the intro price times the intro months, plus the ongoing price times the remaining months to twelve. The plain plan is its monthly price times twelve. If the deal only wins because of the intro window, set a reminder to re-compare the day the intro ends, because after that you sit on the ongoing rate.
Assumptions: a fixed twelve-month horizon, prices held flat within each period, no joining or exit fees, and the ongoing rate applying once the intro ends. Indicative tool only. Sources: AER and ACCC market guidance, provider terms (indicative 2026).
| Service | EOFY intro | Reverts to | Plain plan | 12-month: deal vs plain | What it means |
|---|---|---|---|---|---|
| Energy plan | $95/month for 6 months | $140/month after | $125/month | $1,410 vs $1,500 | EOFY intro wins by a little, but only if you re-compare again in 6 months. |
| NBN 50 plan | $65/month for 6 months | $89/month after | $79/month | $924 vs $948 | Intro just edges it; the revert rate is the dearer of the two, so switch again at month 6. |
| NBN 100 deal | $75/month for 12 months | $105/month after | $90/month | $900 vs $1,080 | A full-year intro is the genuine win; the plain plan loses over 12 months. |
| Home insurance | 15% off first year | $1,380 ongoing | $1,180/year | $1,173 vs $1,180 | A one-year discount, near level-pegging; the ongoing premium is what you actually keep. |
The short answer
What an EOFY moving deal really is
When you move in June you walk straight into the End of Financial Year rush, and every service you set up, energy, internet and insurance, is waving a "deal" at you. Here is the catch most guides skip: those EOFY deals are usually first-term introductory discounts, a sharp price for the opening months that then reverts to an ongoing rate, not a genuine saving on a service you will keep for years. The discount is timed to the June churn season, when leases turn over and households switch, because that is when providers fight hardest for new sign-ups. So the headline number is real for a while, then it is gone, and the revert rate can be higher than a plain year-round plan you could have picked instead. The actual EOFY opportunity is different and better: because everyone is discounting at once, June is the cheapest single moment to switch and re-compare. This page shows how to read an EOFY deal properly, where the intro-then-revert trap sits, and why you should judge the ongoing twelve-month cost, not the headline.
Here is the core takeaway in one line: most EOFY moving deals are first-term introductory discounts timed to the June churn season, so the headline price is temporary and the revert rate is what you actually keep, which means you should judge the ongoing twelve-month cost, not the opening number. That reframes the whole exercise. The cheapest monthly headline is not the cheapest year if it reverts to a dear ongoing rate. The real prize is not any single deal but the timing: because everyone discounts at once in June, it is the cheapest moment to switch and re-compare.
Reframe the assumption: an EOFY deal is not a saving on a service you keep for years, it is an acquisition offer that buys you a low intro window and then steps up. So compare the full-year cost of the deal (intro months plus revert months) against a plain plan, and treat June as your annual prompt to switch, not as a one-off bargain to grab and forget.
The blind spot
Where an EOFY headline hides the price you actually pay
Most "best EOFY deals" articles do one of three unhelpful things, and each one leaves you judging the wrong number.
First, they rank deals by the headline price and stop. They tell you to chase the lowest monthly figure, as if that were the cost of the service. It is not, because the headline applies only for the intro window, and a sharper opening price that reverts to a dearer ongoing rate can lose to a plain plan over a full year.
Second, they ignore the revert rate. The intro period ends, the price steps up, and the article never mentioned the standard rate buried in the plan's basic information document. People sign for the opening number, never look again, and quietly pay the higher ongoing rate for years, which is exactly the outcome the offer is designed to produce.
Third, they treat the deal as the saving rather than the switch. The genuine EOFY opportunity is that providers all discount at once during the June churn, so it is the cheapest single moment to re-compare and move your custom. A guide that frames it as "grab this deal" instead of "use this window to switch" sends you after the headline and misses the structural advantage of the timing.
How an EOFY offer is built, piece by piece
Expert analysis: why the deals cluster, and what they are really doing
The June churn season is the engine of the discounting
EOFY deals are not generosity, they are customer acquisition timed to demand. A large share of Australian leases turn over at the end of the month, the financial year ends on 30 June, and removalists, agents and households all converge on the same fortnight. That concentration of movers is gold for providers, because a person setting up a new address is actively choosing energy, internet and insurance from scratch, with no switching inertia to overcome. So retailers crowd the window with introductory offers to capture those movers while they are shopping. The discount is a marketing cost, recovered later from the share of customers who stay past the intro on the higher revert rate.
Intro rate, revert rate and the basic plan information
Here is the structure that hides in the fine print. Most advertised EOFY prices are introductory rates that apply for a set window, often three, six or twelve months, after which the plan moves to its ongoing or revert rate. For energy, the binding numbers live in the plan's basic plan information document, where the reference price comparison and any conditional discounts are spelled out. For internet, the opening monthly price and the after-promo price both appear in the critical information summary. The trap is that the revert rate is frequently higher than a plain plan with no headline discount at all, so the deal only ever beats the plain plan if you leave when the intro ends.
What the regulators actually police
The Australian Energy Regulator sets the reference price that retailers must compare their offers against, so an energy "deal" advertised as a percentage off is measured against that benchmark, not against thin air. The ACCC polices misleading "was/now" and discount claims across retail and services generally. None of that, however, stops a plan from reverting to a high ongoing rate, because the revert rate is disclosed, not banned. Regulation makes the numbers findable; it does not do the comparison for you. That job is yours, and it is exactly the twelve-month sum the calculator above performs.
No-lock-in plans turn the trap into an opportunity
The saving grace is that most Australian energy plans, and increasingly internet plans, carry no lock-in contract and no exit fee. That cuts both ways: it is why a revert rate is so easy to fall into, because nothing forces you to look again, but it is also why switching is friction-free. If you treat the intro period as a countdown and re-compare the moment it ends, a no-lock-in deal is genuinely worth taking, because you pocket the intro window and then move on before the revert rate bites. The only real cost is your attention, which is why a reminder beats willpower.
What this looks like in real moves
How the intro-rate trap plays out for movers
The mechanics above are not theory. They are exactly how Australian households end up paying more than the headline promised:
The energy deal that reverted
A renter signs an EOFY energy plan at a sharp monthly rate while setting up a new place in June, then never looks at it again. Six months on, the conditional discount lapses and the plan reverts to a rate above what a plain plan would have cost, and they pay the higher figure for the next two years without noticing. The intro was real; the year was not.
The "free" modem that was not free
A household grabs an EOFY internet deal with a discounted opening price and a "free" modem, then wants to switch when the promo ends. The modem payout and an early-departure charge eat the saving, because the deal was structured to keep them past the intro. The headline looked the cheapest; the exit terms told the real story.
The insurance renewal on autopilot
A mover takes a first-year home insurance discount, lets the policy renew at the ongoing premium, and never re-shops. The loyalty renewal climbs each year while new-customer offers stay sharp, so the longer they stay, the worse the deal gets, which is the opposite of how they assumed loyalty works.
The headline that lost to the plain plan
A couple pick the lowest advertised monthly price across three internet offers, ignoring the after-promo rate. Worked over a full year, the deal they chose costs more than a plain month-to-month plan they dismissed for not having a headline, because the revert rate was the dearest of the lot.
The insider insight
The real EOFY win is the timing, not the deal
Here is the part most EOFY guides never put plainly. The value of the end of financial year is not any individual offer, it is that the whole market discounts at the same moment. Because providers are all chasing the June movers at once, this is the single window where new-customer pricing is sharpest across energy, internet and insurance simultaneously. That makes it the cheapest moment of the year to put your services out to tender, whether you are moving or not. The mistake is to treat the headline as the prize. The prize is the act of switching while everyone is competing, and then doing it again when the intro ends.
The non-obvious truth: an EOFY deal rewards switchers, not loyalists, because the discount lives in the intro window and the revert rate punishes inertia. The households that pay least are not the ones who found the lowest headline, they are the ones who used the June discounting to switch, set a reminder for the day the intro ended, and re-compared again rather than drifting onto the ongoing rate. Spend your energy on the switching habit, not on the headline.
The practical consequence: do not pick a service on the advertised monthly price alone. Compare the full-year cost of the deal against a plain plan, prefer no-lock-in offers, and diarise the end of every intro period, because the saving you actually keep is the next switch, not this one.
Grounded in the analysis
What you should actually do with an EOFY deal
Specific moves that follow from how EOFY offers are priced, not generic shopping advice.
Compare the year, not the headline
Find the ongoing revert rate in the basic plan information or critical information summary, then add the intro months and the revert months across a full twelve months. Weigh that total against a plain year-round plan. The lowest monthly headline is not always the lowest year.
Use June to switch, then diarise the end
Treat the EOFY window as your annual prompt to re-compare every monthly service you set up for the move. Take a good no-lock-in deal, then set a reminder for the day the intro ends so you switch again rather than sliding onto the revert rate.
Read the lock-in and the catch
Before you sign, check the contract term, any exit fee, a modem payout, and conditional-discount conditions like pay-on-time. Prefer offers with no lock-in so you stay free to move, and avoid deals whose only advantage is an intro you will forget to leave.
Setting up a new address? Sort your moving utilities, work through the moving checklist, and compare NBN plans for your new home.
Current figures, last updated 2026-06-16
Indicative EOFY and switching figures for 2026. Sources: the Australian Energy Regulator (AER) for the energy reference price, the ACCC for discount-claim rules, and provider market terms. EOFY offers vary widely by service and provider, so treat every figure as a ballpark and read the ongoing rate before you sign.
The bottom line
Why the headline is the start of the decision, not the end
An EOFY moving deal is genuinely useful, but it is an intro price wearing a permanent face, with a revert rate sitting underneath it and a churn-season calendar behind it. So compare the full-year cost rather than the headline, find the ongoing rate before you sign, prefer no-lock-in offers, and treat June as your annual prompt to switch rather than a one-off bargain. With Australian leases still clustering at month end and the financial year still closing on 30 June, the households that pay least in 2026 are the ones who use the discounting window to switch and re-compare, not the ones who simply grab the lowest headline and stay.
Common questions
A Selectra expert answers your EOFY moving questions
Sometimes, but not for the reason the ads suggest. Most EOFY deals on energy, internet and insurance are first-term introductory discounts: a low price for the opening months that then reverts to a higher ongoing rate. They are worth it when the twelve-month cost (intro months plus revert months) beats a plain year-round plan, or when the intro runs a full twelve months, or when you intend to re-compare and switch again the moment the discount ends. They are not worth it if you sign for the headline, never look again, and quietly sit on the revert rate for years. The trick is to judge the ongoing price, not the opening one.
Because June is the churn season. Leases cluster at the end of the month and the financial year ends on 30 June, so a large share of Australian households are moving, switching and re-comparing all at once. Providers know it, so they crowd the window with introductory offers to win those movers while they are actively shopping. The discounts are a customer-acquisition cost, funded by the expectation that many people will stay on the higher revert rate afterwards. The upside for you is real though: because everyone is discounting at the same time, June is the single best moment to put your services out to tender and switch.
The intro rate is the discounted price you pay for an introductory period, often the first three, six or twelve months. The ongoing rate, sometimes called the revert or standard rate, is what you pay once that period ends, and it is frequently higher than a plain plan that had no headline discount at all. An energy plan advertised at a sharp monthly figure might revert to a noticeably dearer rate; an internet deal at a low opening price might step up after six months. Always find the ongoing figure in the fine print and the basic plan information document, then work out the full first-year cost on both numbers.
Add the intro months and the revert months across a full twelve months, then compare that total against a plain year-round plan. For example, six months at $95 plus six months at $140 is $1,410 across the year, which you then weigh against, say, a steady $125 a month, or $1,500. The deal that looks cheapest by the month is not always cheapest by the year. Our EOFY deal payback calculator on this page does exactly this sum: enter the intro price, the intro length, the ongoing price and a plain plan price, and it shows the real twelve-month cost of each and which one wins.
Moving itself is the natural switch point, because you have to set up services at the new address anyway, so there is no break fee or inertia to overcome. If your move lands in June you also catch the EOFY discounting, which makes it the cheapest single moment of the year to re-compare. The key is to treat the switch as a recurring habit, not a one-off: set a reminder for when any intro period ends, and compare again, because the saving is in switching off the revert rate, not in grabbing one headline price and staying on it forever.
It depends on the service. Many Australian energy plans have no lock-in contract and no exit fee, so an intro discount carries little risk beyond reverting to a higher rate if you forget to re-compare. Internet plans are increasingly month to month too, though some bundle a discounted or "free" modem that you pay out if you leave early. Insurance is an annual policy that simply renews. Read the contract term, any exit or modem payout, and the revert rate before you sign, and prefer no-lock-in offers so you stay free to switch again when the discount ends.
