Super calculator

Downsizer Super Contribution Calculator

Calculate downsizer contributions to super for 2025-26 and 2026-27. ATO age 55+ scheme: up to $300k per person ($600k per couple) outside concessional caps, 10-year ownership test, 90-day contribution window.

Age 55+ eligible Outside normal caps
01 —INPUTS

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.

02 —RESULTS

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

Edit inputs ↑
FAQ
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.

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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.

Last updated 12 May 2026 Tax year 2025-26

Data sources: ATO (ato.gov.au), Services Australia

This tool is general information only, not financial advice.

Reviewed by AusTax Tools Editorial Desk

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