07 3262 6585 Book a time

Picture Book · Downsizing and estate

The 90-day clock

Story pages

A woman in her early seventies on her front steps holding a cup of tea
Meet Ivy. Her home sale has just settled.
A large garden sundial in a park casting a long afternoon shadow
The contribution generally has to be made within 90 days of receiving the sale proceeds, usually at settlement.
A grey-haired woman in her early seventies on the phone at a sunny kitchen table
Step one: contact your super fund to check it can accept a downsizer contribution.
An older woman's hand passing a blank envelope across a counter to a friendly staff member
Step two: give the fund the ATO's downsizer contribution form before, or at the time, you contribute.
Three blank envelopes lined up neatly on a wooden desk beside a fountain pen
If you pay in more than one instalment, you'll need a form for each one.
A grey-haired woman in her early seventies watering potted plants on a sunny balcony
If you can't make the deadline, you can apply to the ATO for more time. Ivy gets it done well before day 90.

The end

Want this for your situation?

Every situation is different. One of our advisers can help you work out what applies to you.

Book an appointment with one of our advisersRead the full article

Next story: Selling your home and the Age Pension

General advice warning. This picture book is general information only. It does not take into account your objectives, financial situation or needs, and it is not personal advice. Rules and thresholds change. Before acting, consider whether it is right for you, read any relevant Product Disclosure Statement and our Financial Services Guide, and seek personal advice. Past performance is not a reliable indicator of future performance.

Information as at 27 October 2026. Sources:

1 / 7

Swipe, use the arrows, or press ← → on your keyboard.

Want this for your situation?

Every situation is different. One of our advisers can help you work out what applies to you.

Book an appointment with one of our advisersor call 07 3262 6585

Keep exploring: More downsizing and estate stories · All picture books · Age Pension what-if planner · Cost-of-living help for homeowners