Free Downsizing Calculator with Age Pension | LaunchUP
Free · Plain English · No sales calls

Downsizing calculator: see what each move really leaves you with.

Free, real results from your own figures in three short steps. Your numbers update as you type.

Your figures are used only to work out your results. If you ask for an emailed copy, we use them to send it.

1

What you've got

Example
Your best guess is fine. A recent appraisal or online estimate works well.
Leave at 0 if it's paid off.
You'd have about
to put toward your next move, after about in selling and moving costs.
Where could it take you?
2

Where might you go?

Put in prices you've seen in listings, or keep our examples for now. Each card shows what that move frees up.

Example
Allows about $25,000 for stamp duty and buying costs. Varies by state and price.
Cash this frees up
Example
You buy the home, not the land. Allows about $2,000 upfront; weekly site fees are extra.
Cash this frees up
Exit fee when you leave (if any)

Example only: Lifestyle Communities' new land lease contracts charge 20% of the purchase price, built up over five years (ASX, 21 August 2026). Use the figures in your own contract.

Example
Use the ingoing (entry) price. Allows about $5,000 for legal and entry costs; weekly fees are extra.
Cash this frees up
Exit fee when you leave

Example only: Lifestyle Communities' new land lease contracts charge 20% of the purchase price, built up over five years (ASX, 21 August 2026). Use the figures in your own contract.

3

Side by side

Cash freed up, after all costs
Based on example prices
That's only half the picture. These figures don't include weekly fees or exit fees (charged by retirement villages and some land lease communities), and selling can change your Age Pension.
Free · no payment needed

Two quick questions, then see your Age Pension estimate

Is this for a single person or a couple?
A rough figure is fine. We assume Age Pension age (67+), no other income and about $30,000 for car and contents. Your figures aren’t saved.
Your results show on screen. Add your email and we’ll send you a copy, plus your free Question Sheet (PDF): the questions to ask before you commit to each option, so fees like exit fees and strata levies come out before you sign anything. We never sell or pass on your details.
Send a copy to family too (optional)
They get your results once. They aren't added to any list.

Before you see your results

Your results are worked out from the details you enter, so they are only as accurate as those details. Please check them carefully before you rely on the results. We apply the official rules as published on 20 September 2026 and list every source. Your results are an estimate, not a decision by Centrelink and not advice about what you should do. See our sources

Before you decide

Five questions to ask before you downsize

Take these to any agent, village, park or adviser. A free tip for each, and the full list of questions for each option comes free with an emailed copy of your results.

  1. 1
    How much would you actually free up?
    Worked out above, using your own figures.
    Free, answered above
  2. 2
    How would your Age Pension change?
    Your first-year estimate is free above. Services Australia can confirm your actual rate before you commit.
    Free, first year above
  3. 3
    What would you pay each week afterwards?
    Ask every village or land lease park for their full fee schedule in writing, and how much fees have risen each year.
  4. 4
    How long would your savings last?
    Start with what you spend in a year now. A licensed financial adviser can test that against your super and savings.
  5. 5
    What would you gain, and give up, in lifestyle?
    Visit at different times of day, talk to residents, and check how far it is to family, shops and your doctor.
Free guides
Considering downsizing Staying in your home Leave It Sorted guide Where to get free advice
Optional · Retirement Move Report

Plan the next 10, 20 or 30 years.

Your free results are real estimates for today. The Report is the full planner: choose how many years to look ahead, up to 40, and see your Age Pension, fees and savings each year, using the yearly spending figure you enter. It’s yours to keep and reuse.

A$39one-off, no subscription
Or start free: see your Age Pension estimate
The Retirement Move Report dashboard showing savings and super year by year for each option, using example figures
Inside the Report: our example figures, planned 30 years ahead.
What the free check and the Retirement Move Report include
FeatureFree checkReport
Cash each move frees upIncludedIncluded
Age Pension, first yearIncludedIncluded
Questions to ask for each optionPDF sheetChecklist
Plan 10, 20, 30 or up to 40 years aheadNot includedIncluded
Your spending each year (your figure)Not includedIncluded
Age Pension and savings worked out every yearNot includedIncluded
Your savings each year, using your spending figureNot includedIncluded
Weekly fees, running costs and exit feesExit fee onlyIncluded
Compare up to 3 real places as quotes come inNot includedIncluded
Tick off answers as you get them; the list grows with your placesNot includedIncluded
Pre-meeting summary to print for your adviserNot includedIncluded
Yours to keepEmailed copyReusable

Your spending figure rises each year by the cost increase rate shown in the assumptions. Savings and super are treated as one amount, which you enter. Includes Rent Assistance where it may apply. See the assumptions. Take it to your adviser, your agent or a village open day.

Private by design: your Report figures stay on your own device and in files you save. They’re not stored on our website or shared.

One-off payment · 14-day money-back promise
Not ready to buy? See your free Age Pension estimate first

General information only, not financial advice. Figures are estimates based on what you enter and the assumptions shown. Check your situation with Services Australia or a licensed financial adviser.

Your free check
See my Age Pension →