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Picture Book · Downsizing and estate

The downsizer door into super

Story pages

An older couple in their late sixties handing house keys to a young family on a front porch
Meet Helen and Frank. They've sold the family home they owned for 30 years.
A wooden door opening into a sunny garden where a small tree grows from a pot
If you're 55 or older, you may be able to put up to $300,000 from the sale into super as a downsizer contribution.
Two matching watering cans side by side on garden steps
Each eligible spouse can contribute up to $300,000, but together no more than the sale proceeds.
A well-kept older Brisbane house with a mature mango tree in the front yard
The home must have been owned by you or your spouse for 10 years or more, and be a home in Australia, not a caravan, houseboat or mobile home.
A tidy row of glass jars on a shelf
It doesn't count towards the contribution caps, but it does count towards your total super balance.
An older couple sitting together on a park bench reading papers
You can only make a downsizer contribution once, so Helen and Frank plan theirs carefully.

The end

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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:

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