Downsizer Contribution Calculator
Estimate how much of your home sale proceeds you could contribute to super under the downsizer contribution rules.
Your results
Calculation breakdown
- Contribution
- min(your share of sale proceeds, downsizer cap per person)
Worked example
With $400,000 in sale proceeds and a $300,000 per-person cap, the maximum downsizer contribution is $300,000.
Assumptions
- The downsizer cap is set by legislation — confirm the current figure and your eligibility (age, ownership period) with the ATO.
- Doesn't count towards concessional or non-concessional caps, but does count towards your total super balance.
Sources
How this calculator works
This calculator estimates the downsizer contribution you and your spouse could make to super from the sale of an eligible home, capped at a per-person limit and your share of sale proceeds. Confirm your eligibility, including minimum ownership period and age, with the ATO.
Rates sourced from the Australian Taxation Office for the 2026–27 financial year. Last reviewed 01/07/2026.
Frequently asked questions
Who is eligible to make a downsizer contribution?
Broadly, eligible individuals aged over the minimum age who have owned their home for at least the minimum required period and meet other ATO conditions.
Does a downsizer contribution count towards my contribution caps?
No, downsizer contributions don't count towards the concessional or non-concessional caps, but they do count towards your total super balance for other purposes.
Can both partners in a couple contribute?
Yes, each eligible spouse can contribute up to the per-person cap, even if only one of them was on the property title.
Results are estimates only and are not financial, tax, legal or credit advice.
Rates and thresholds are configured for the 2026–27 Australian financial year and should be reviewed when government settings change.