Finance Lab . Resources . Calculators . Downsizer
Set your situation and watch where the sale leaves you. We check the SA seniors stamp-duty concession and show your surplus or shortfall live.
Your eligibility
All three must apply for the SA downsizer stamp-duty concession.
Your figures
Pre-filled with standard SA estimates. Override any line with firm figures.
Transfer registration is calculated automatically from the purchase price unless overridden.
Set your situation to see where you land.
Answer the eligibility questions and drag the sliders to begin.
Stamp duty on purchase
Your position after the move
Sale proceeds, less costs, less the new purchase.
Tell us about your move and we'll come prepared. We compare 50+ lenders and handle the downsizer paperwork end-to-end.
If you are 60 or over and buying a new or off-the-plan home on a smaller block, South Australia waives stamp duty in full on purchases up to $2 million, then tapers to $2.1 million. That can be tens of thousands of dollars.
After agent fees, the loan payout and the new purchase plus costs, most downsizers finish with either a surplus to invest or a shortfall to cover. Knowing which, before you list, changes how you plan.
If the numbers fall short, savings or a small top-up loan can bridge the gap. This tool shows exactly how much, and the repayment, so the move stays in reach.
At least one buyer must be aged 60 or over, the new home must be newly built or purchased off-the-plan, and it must sit on a smaller block than the home you are selling. All three conditions must apply. Eligibility and the current thresholds must be confirmed with RevenueSA and a conveyancer.
For the RevenueSA stamp-duty concession it is 60. The age 55 you may have read about relates to the unrelated federal super downsizer contribution, which is a different scheme entirely. This calculator uses 60 for the duty concession.
No. These are estimates only, not credit approval, financial product advice or tax advice. Your eligibility for the concession and the duty payable must be confirmed with RevenueSA and a conveyancer before you rely on the figures.
The calculator lets you bring in cash savings to cover a shortfall, and models the remaining gap as a small top-up loan with an indicative repayment. On the call we look at the most suitable structure for your situation across the lender panel.
Set your eligibility, drag the sliders, and see your surplus or shortfall and the duty you save. Then book a call.
Run the calculator