Downsizer Super Contribution Calculator 2025-26

Calculate how much you can contribute to super from selling your home under the downsizer scheme. For Australians aged 55 and over, you can contribute up to $300,000 per person outside normal contribution caps.

Must be 55 or older to be eligible.

Contract price or market value of the property sold.

Up to $300,000 per person from the sale proceeds.

Your current superannuation balance.

How many years until you plan to access your super.

Long-term average super return is around 7% p.a.

Enter your age and home sale price to see your downsizer contribution and retirement projection.

Frequently Asked Questions

What is the downsizer super contribution?
The downsizer contribution allows Australians aged 55 or older to contribute up to $300,000 per person (or $600,000 per couple) from the proceeds of selling their home into superannuation. These contributions are outside the normal concessional and non-concessional caps.
What is the age requirement for downsizer contributions?
You must be 55 years or older at the time you make the contribution. The age threshold was reduced from 60 to 55 from 1 January 2023. There is no maximum age limit.
How much can I contribute under the downsizer scheme?
Each eligible individual can contribute up to $300,000 from the sale proceeds. For a couple, that's up to $600,000 combined. The contribution cannot exceed the total sale proceeds of the property.
Does the downsizer contribution count towards my super caps?
No. Downsizer contributions do not count towards your concessional ($30,000) or non-concessional ($120,000) contribution caps. They are a separate category of contribution with their own $300,000 per person limit.
What properties qualify for a downsizer contribution?
The property must have been your main residence (or your spouse's) for at least part of the ownership period. It must be in Australia, owned by you or your spouse for 10 years or more before sale, and not be a caravan, houseboat, or mobile home.
When must I make the downsizer contribution?
You must make the contribution within 90 days of receiving the sale proceeds (usually settlement). You also need to submit a Downsizer contribution into super form to your fund before or at the time of making the contribution.
Can I make a downsizer contribution if my super balance is over $1.9 million?
Yes. Unlike non-concessional contributions, the downsizer contribution is not subject to the total super balance test. You can make the contribution regardless of how much you already have in super.
Is the downsizer contribution taxed?
The downsizer contribution itself is not taxed when it goes into super (it's a non-concessional contribution). However, investment earnings in your super fund are taxed at up to 15%, and the contribution counts towards your transfer balance cap when you move to retirement phase.

Related guides

Seniors and Pensioners Tax Offset (SAPTO) Explained 2025-26How SAPTO works, who qualifies, the shade-out thresholds for 2025-26, and how it can effectively raise your tax-free threshold to over $33,000.

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Tax Accuracy & Sources

Reviewed: March 2026 · Tax year: 2025-26

This calculator uses current ATO downsizer contribution rules (age 55+, $300,000 per person cap). It does not account for individual eligibility criteria such as property ownership period, main residence status, or prior downsizer claims. Consult the ATO or a financial adviser for your specific situation.

Uses 2025-26 ATO rates.