What will aged care actually cost, and how will you pay for it?
A free calculator for Australian families. Estimate residential care and Support at Home costs under the new 2026 rules, and compare financing strategies like selling the home, the Home Equity Access Scheme, or paying a RAD to see the real impact on your pension and estate.
Example weekly cost
$2,431/ week
After Age Pension, based on a Part Pensioner.
Estate preserved
$1.02M
Years to cap
3.2 yrs
Three types of care, three honest estimates
How it works
Personal Details
Your age, relationship status, and veteran status
Financial Details
Income sources, assets, home value, and ownership
Care Preferences
Residential or home care, accommodation choices
See Results
Cost breakdown, projections, and financing comparisons
Start with the essentials
Plain-English guides to the new aged care system.
How Much Does Aged Care Cost in Australia? (2026 Guide)
A plain-English breakdown of what aged care actually costs in Australia under the new system, including daily fees, accommodation payments, and means-tested contributions.
How the Aged Care Means Test Works (Plain English)
The aged care means test determines how much you pay in fees. Here's exactly how it works, what counts, and what doesn't, with real examples.
New Aged Care Fees Explained: What Changed in November 2025
The Aged Care Act 2025 introduced major changes to how fees work. Here's what's different, what it means for you, and who's affected.
RAD vs DAP: Which Is Better for You? (2026)
Should you pay your aged care accommodation as a refundable lump sum (RAD) or a daily payment (DAP)? A clear comparison with worked examples.