Downsizer contribution

If you’re 55 or older and selling your main residence, you may be able to contribute up to $300,000 per person ($600,000 per couple) from the sale into super. This calculator checks age eligibility and the cap. Downsizer contributions don’t count toward your concessional or non-concessional caps. You must contribute within 90 days of settlement and meet other ATO conditions.

Eligibility (ATO rules)

You must be 55 or older when making the contribution; contribute within 90 days of receiving the sale proceeds; have owned the home for 10 or more years; sell a property that qualifies for the main residence CGT exemption; and not have made a downsizer contribution before. Cap is $300,000 per eligible person. Check the ATO for current rules and the downsizer contribution form (NAT 75073).

Your situation

Your age (at time of contribution)

Sale proceeds you will receive ($)

Your share of the sale (after costs) that you could contribute. Cap is $300,000 per person.

Partner's age (if contributing as a couple)

Leave blank if not applicable. Each eligible person (55+) can contribute up to $300,000.

Partner's sale proceeds ($)

Optional: projected value in super

Years until you expect to access super

Assumed super growth (% p.a.)

Calculate

Result

— Your max downsizer amount

— Partner's max downsizer amount

— Total eligible to contribute

— Projected value in super (optional)

This is an estimate only, not personal advice. Omission of data or unique variable will have a considerable influence on outcomes. Consider speaking to a licensed adviser for a plan tailored to you where personal variables will be confirmed by supporting documents specific to your preferences and circumstances

Save as scenario Super optimizer Retirement calculator Compare scenarios Other calculators