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Nursing home fee estimator

Use the Nursing home fee estimator to help you to work out an estimate of what costs and fees you'll be asked to pay when accessing aged care services.

Answer 'yes' if you are legally married or in a de facto relationship, even if you live apart for health reasons.

Income includes:

  • income support payments from the Australian Government such as the age pension or service pension
  • net income from rental property
  • war widow/widower pensions and some disability pensions
  • net income from business, including farms
  • income from superannuation income streams such as annuities and allocated pensions
  • overseas pension income
  • family trust distributions
  • dividends from private company shares.

Do not include interest from your bank accounts or investments.

It can include a house, unit, caravan, mobile home or interest in a retirement village owned by either you or your partner.

A protected person is:

  • your partner or a dependent child
  • your carer who has lived with you in the home for the past two years and is eligible for an income support payment
  • a close relation, such as a sister, brother, parent, child or grandchild who has lived with you in the home for the past five years and is eligible for an income support payment.

This is the value of the house minus any outstanding mortgages.

The net market value of your home will be capped at $157,987.20.


Financial assets include:

  • bank, building society and credit union accounts
  • cash
  • term deposits
  • cheque deposits
  • friendly society bonds
  • managed investments
  • listed shares and securities
  • loans and debentures
  • shares in unlisted public companies
  • gold and other bullion
  • gifted assets - if you have gifted amounts above $10,000 in the last year or $30,000 in the last five years, include the amount above these limits as a financial asset.

Do not include your family home in your assets. Additional income may be determined from these assets.


Other assets include:

  • household contents and personal effects (these are typically valued at $10,000)
  • foreign assets including investments, business interests and real estate
  • investment property
  • special collections such as stamps, art works or antiques
  • superannuation balances
  • private trusts, family trusts and private companies
  • net retirement village entry contributions
  • refundable accommodation deposits.

Do not include your family home in your assets.

Do not include the mortgage on your family home, credit card debt, or personal loans.
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