Granny Flat Interests - Complete Guide for Centrelink & Aged Care | Retirement Calculators

Granny Flat Interests

Moving in with family? Your granny flat arrangement affects your Age Pension, asset tests, and future aged care costs. Get it right from the start with our complete guide and planning tools.

$267,000 Extra Allowable Amount Threshold
5 Years Deprivation Period
$10,000 Annual Gifting Limit
10 Essential Steps to Protect Yourself
Select a different year to see historical rates

๐Ÿš€ Where Should I Start?

Not sure where to begin? Take our quick assessment to identify your family's specific situation and get personalised recommendations.

Complete Guide to Granny Flat Arrangements

Navigate every aspect of granny flat interests with our comprehensive 10-page guide. Each section builds on the last, or jump to what matters most for your situation.

๐Ÿ’ก Featured Case Study: Margaret's Story

Margaret, 72, was about to contribute $400,000 to her daughter's home. By understanding the homeowner vs non-homeowner rules and restructuring her contribution, she...

Saved $58,000 in pension over 10 years

Read Margaret's full story and other case studies โ†’

Tools & Calculators

Need More Help?

While this guide covers the essentials, every family situation is unique. Here are ways to get personalised guidance:

๐Ÿ“š Online Courses

Self-paced learning to master retirement planning topics in depth.

Browse Courses โ†’

๐Ÿ“ž Coaching Call

One-on-one guidance on your specific granny flat questions.

Book a Call โ†’

๐Ÿ‘ฉโ€๐Ÿ’ผ Find a Planner

Work with a qualified financial planner who understands Centrelink.

Find a Planner โ†’

Accuracy Note: Whilst every effort has been made to provide current and accurate information, I am only one person and there's a very good chance that I'll miss something. If you spot a factual error, or if a calculator breaks or gives incorrect answers, I'd be really grateful if you could let me know via the Contact Us page so I can fix it ASAP.

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Last reviewed: February 2026

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