Australians are being encouraged to maximise their superannuation contributions before the end of the financial year to take advantage of valuable tax benefits and strengthen their retirement savings.

Financial experts say making additional voluntary contributions before June 30 can help workers reduce their taxable income while growing their long-term wealth.

Eligible Australians with super balances below $500,000 may also be able to use unused contribution caps from previous years through catch-up contribution rules.

Experts warn that some contribution opportunities and government incentives will expire once the financial year ends, making timely action essential.

Low and middle-income earners may also qualify for government co-contributions of up to $500 by making after-tax contributions to their super accounts.

With major superannuation changes taking effect from July 1, Australians are being urged to review their accounts and act before key deadlines pass.