Current as of 17 Feb 2026. Always verify current year rates.
What are the downsizer contribution rules?
Short answer:
Downsizer contributions let eligible people contribute some proceeds from selling an eligible home into super, subject to conditions (including age, ownership period, timing and paperwork). The rules can change, and deadlines matter after settlement, so use the ATO downsizer contribution page for current eligibility, amounts and steps before you commit to a sale or contribution.
Key takeaways
Eligibility depends on conditions like age and home ownership history
Timing and forms matter after settlement
Downsizer contributions are separate to some other contribution caps
Rules can change, so use the ATO page for current details
Consider how it fits with broader retirement and estate goals
Why this matters
Downsizer contributions can be a useful tool, but missing a condition or deadline can create disappointment and admin headaches. Clear rules help you plan the move confidently.
Mini-plan (3-4 steps)
- Check your eligibility on the ATO downsizer page before listing your home.
- Confirm the settlement timeline and the contribution deadline requirements.
- Coordinate with your fund on the required forms and process.
- Consider licensed advice if the amounts are large or your situation is complex.
Related questions
Sources (so you can verify)
Disclaimer: Information provided is general in nature and does not constitute personal financial advice. You should consider seeking advice from a licensed financial planner before making any financial decisions.
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