{"product_id":"aged-care-strategy-comparison-calculator-pre-post-1-november-2025","title":"Aged Care Strategy Comparison Calculator - Pre \u0026 Post 1 November 2025","description":"\u003cp\u003e \u003cspan data-mce-fragment=\"1\"\u003eOur Aged Care Strategy Comparison Calculator shows the Day One impact of cost of care and then allows you to build upon this with different strategies to build the most appropriate Aged Care Financial Strategy.  \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan data-mce-fragment=\"1\"\u003eBuilt to demonstrate both grandfathered residents, those who entered care after 1 November 2025 and anything in between.  \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan data-mce-fragment=\"1\"\u003e\u003c\/span\u003e\u003cspan data-mce-fragment=\"1\"\u003eIt takes into consideration government subsidies, Centrelink Age Pension entitlements and the impact of clients being classified as either \u003cstrong\u003eLow Means Residents\u003c\/strong\u003e or \u003cstrong\u003eFully Supported Residents\u003c\/strong\u003e.  \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan data-mce-fragment=\"1\"\u003eIt clearly shows the impact of RAD retention rates and indexing of the DAP and allows you to compare both options to determine impacts of change of classifications.  \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan data-mce-fragment=\"1\"\u003eThis takes the guess work out of determining the benefits of strategies and the impacts of remaining a RAD paying resident versus being a low means resident.  Utilising our aged care calculator will help to navigate the complexity of aged care advice with ease and allow for advisers and residents to make well informed choices.  \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan data-mce-fragment=\"1\"\u003e\u003c\/span\u003e\u003cspan data-mce-fragment=\"1\"\u003eNOTE: This calculator considers the Australian Tax \u0026amp; Social Security Rules and may not be an appropriate tool for use outside of Australia.\u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003eThe calculator includes:\u003c\/span\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eComparison of Day One position to 4 alternative strategies.\u003c\/li\u003e\n\u003cli\u003eImprovement of cashflow and reduction of aged care fees are calculated.\u003c\/li\u003e\n\u003cli\u003eEstimation of when means tested fee caps are met\u003c\/li\u003e\n\u003cli\u003eComparison of grandfathered MTF fees compared to post 1 November hotelling contributions and NCCC. \u003c\/li\u003e\n\u003cli\u003eSee exactly how much retention is applicable over 5 years, so residents can see how much RAD will be refunded.\u003c\/li\u003e\n\u003cli\u003eSee how long a paid up Refundable Accommodation Deposit (RAD) will sustain a drawdown of DAP\u003c\/li\u003e\n\u003cli\u003eCalculation of Refundable Accommodation Deposit vs Daily Accommodation Payment and the impact of recently introduced DAP indexing. \u003c\/li\u003e\n\u003cli\u003eIdentifying Low Means and Fully Supported Residents and any associated RACs or DACs.  \u003c\/li\u003e\n\u003cli\u003eCentrelink Age Pension Comparisons and rent assistance estimator\u003c\/li\u003e\n\u003cli\u003eImpacts of changes to the Care Providers Accommodation Supplement for low means residents\u003cbr\u003e\n\u003c\/li\u003e\n\u003cli\u003eImpacts of having a protected person in the home\u003c\/li\u003e\n\u003cli\u003eAssessable income for income test including CSS pension, annuities and deemed income\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cspan data-mce-fragment=\"1\"\u003eIt includes detailed charts:\u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003e1. Total Aged Care Fees\u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003e2. DAP from RAD from individual strategies plus combined graph\u003cbr\u003e3. RAD Retention rates\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan data-mce-fragment=\"1\"\u003ePurchase will generate an instant file to download and contains a link to our instructional video.\u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003eThe outputs are easy to read, professionally designed and quick to use.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eNote changes to aged care fees and caps can occur on\u003c\/span\u003e\u003cspan\u003e \u003c\/span\u003e\u003cstrong\u003e20th March and 20th September\u003c\/strong\u003e\u003cspan\u003e \u003c\/span\u003e\u003cspan\u003eannually.  Please bare this in mind when purchasing our calculators.  \u003c\/span\u003e\u003c\/p\u003e","brand":"Big Sums","offers":[{"title":"Default Title","offer_id":52181689139493,"sku":null,"price":259.95,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0789\/8595\/3573\/files\/1_9530506c-4000-4a21-a665-83e61d82abf6.png?v=1775387330","url":"https:\/\/www.thesumlab.com.au\/products\/aged-care-strategy-comparison-calculator-pre-post-1-november-2025","provider":"The Sum Lab","version":"1.0","type":"link"}