The downsizer contribution is a powerful strategy for Australians over 55 who sell their home. Up to $300,000 per person can be added to super regardless of existing balance or contribution caps. Given super\'s favourable tax treatment (earnings taxed at just 15%), this can significantly boost retirement income. The earlier you make the contribution, the more time compound growth has to work.
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This calculator uses current published rates from Australian government and regulator sources. The result is an estimate for general guidance — it does not constitute personal financial advice. For decisions about your circumstances, consult a registered financial adviser, tax agent, or other professional. See editorial standards for how DecisionLab sources and updates its calculator data.
Estimates only. This calculator is not intended to be relied on for making a decision about a financial product, and it does not consider your objectives, financial situation or needs. Consider obtaining advice from an Australian financial services licensee before making any financial decisions. Assumptions can be changed where shown; statutory rates are as legislated for the year stated on this page. How our calculators work, their assumptions and limitations →