Optimal
For business ownersFor dependantsGuided quiz

Rules applied · effective multiplier 105.0%

  • First-home / owner-occupier priority applied: +5% (Rule 9).
Total allowance paid$52,500
Peak monthly$279
Parent retained$52,500
To family recipient$0Stream off

Results summary

Stability released · parent only

Allowance flows entirely to the resident-owner. The family stream is off or set to zero.

  • Stability, not speculation: drawdown capped at 50.0% of land value ($300,000); building value excluded.
  • Resident households, not portfolios: principal-residence and owner-occupier rules pass.
  • Opportunity transfer with security: no redirection — parent security fully intact.
  • Locally governed & transparent: annual review, statement, pause/cancel and elder-abuse override all enforced.
$52,500Total allowance over plan
$52,500Retained by parent
$0To family recipient

Synchronisation thesis. Land-backed support and superannuation operate as equal 50.0% / 50.0% pillars — providing a wage-like income floor from age 50, reducing unsynchronised work pressure and improving life satisfaction.

Accessibility for Equity

Capacity $83/mo over 50y

  1. =Council / statutory land value$600,000
  2. ×50.0% maximum cap$200,000
  3. −− Existing mortgage$120,000
  4. −− Other secured debts$0
  5. −− Protected owner buffer$30,000
  6. =Accessible equity → monthly allowance capacity$50,000
Existing mortgage · $120,000Other secured debts · $0Protected owner buffer · $30,000Accessible equity · $50,000

Expected aged pension receivables

17.00y (204 mo) to pension · CPI 2.50%

Starting from age 50, the current aged pension of $1,700/mo is indexed by CPI 2.50% for 17.00 years (204 months) to pension start 67, then drawn for 33.00 years (396 months).

Future monthly pension$2,587At age 67
Capitalised receivable$1,580,870Nominal, CPI-grown
Present value (today)$1,038,940Discounted at CPI

Centrelink income test (Single)

Full pension
  • Other fortnightly income$0.00/fn
  • +Super + equity payments (from age 67)$48.49/fn
  • =Assessable income$48.49/fn
  • Assessable income$48.49/fn
  • −Free area$218.00/fn
  • =Over free area$0.00/fn
  • ×Taper rate× 50¢/$
  • =Taper reduction−$0.00/fn
  • Max pension (incl. supplements)$1200.90/fn
  • −Taper reduction$0.00/fn
  • =Entitled pension$1200.90/fn · $2,602/mo

Impact of including super + equity

  • Without inclusion: assessable $0.00/fn, taper −$0.00/fn, entitled $1200.90/fn
  • With inclusion: assessable $48.49/fn, taper −$0.00/fn, entitled $1200.90/fn
  • Change: assessable +$48.49/fn · taper +$0.00/fn · entitled −$0.00/fn ($0/mo)

Cut-off: $2619.80/fn. Rates editable in code defaults (currently 20 Mar 2026). Verify at Centrelink.gov.au.

Monthly allowance paid by age

Support balance vs. available cap

Estimated weekly hours freed by allowance