👴 Your Aged Care Details
💰 Cost Breakdown
💌 Free Aged Care Finance Tips
Get practical guides on aged care costs, means testing, My Aged Care and financial planning for families navigating aged care in Australia.
Aged Care Costs in Australia 2025: What You Will Pay
Australia's aged care system is funded jointly by the government and care recipients. How much you pay depends on your income, assets, and the type of care you receive. A formal means assessment by Services Australia determines your exact fees — this calculator provides estimates to help you plan ahead.
Home Care Package Values 2025–26
| Level | Annual Package Value | Suitable For |
|---|---|---|
| Level 1 | ~$10,271 | Basic support — minimal care needs |
| Level 2 | ~$18,063 | Low-level care — some daily assistance |
| Level 3 | ~$39,310 | Intermediate — regular support needed |
| Level 4 | ~$59,593 | High-level — complex or intensive care |
Residential Aged Care Fees 2025–26
| Fee | 2025–26 Amount | Notes |
|---|---|---|
| Basic daily fee | $61.96/day (~$22,615/year) | Everyone pays this |
| Means-tested care fee | $0 – $35,109/year | Based on income + assets assessment |
| Accommodation (RAD) | Varies by facility | Lump sum or daily payment (DAP) |
| Lifetime means-tested cap | $82,000 (approx) | Once reached, fee stops |
Getting a Formal Assessment
To access government-funded aged care, you must first contact My Aged Care (1800 200 422 or myagedcare.gov.au) for a needs assessment (ACAT — Aged Care Assessment Team). This is free and determines which services and funding level you are eligible for.
Estimates only based on 2025–26 Services Australia rates. Actual fees are determined by formal means assessment. Contact My Aged Care 1800 200 422 for your official assessment. Not financial advice.