Funding & fees, explained simply
Aged care funding is confusing — that's not your fault. This page explains who pays what under Support at Home, the NDIS and residential care, in plain language. And when you're ready, we'll walk through your exact numbers together, free.
How each program works
Support at Home
Government budget after a My Aged Care assessment. Clinical supports attract no participant contribution; independence and everyday-living services attract a means-tested contribution — often small for pensioners.
NDIS
For NDIA-managed and plan-managed supports we charge in accordance with the NDIS pricing arrangements; self-managed participants agree prices with us directly. Services are subject to available plan funding and your service agreement.
Aged & Disability Residential Care
Depending on eligibility, some personal supports may be funded through Support at Home, the NDIS or TAC; accommodation, meals and household costs are quoted separately. A clear written quote before any commitment.
Your budget, calculated
Whether you were assessed under the new Support at Home classifications or transitioned from a Home Care Package, see the funding attached to your level — and what it buys each week at our published rates. See the full price list below, or download it as a PDF.
All amounts are the official figures effective 1 July 2026, confirmed at your assessment. The government reserves 10% of each budget for care management — the calculator shows what remains for services. There are no package-management, entry or exit fees. From 1 October 2026, a 10% handling fee applies to applicable purchased third-party items, as notified to clients.
Build your own weekly budget
Choose your level above, then add the services you want each week. The planner prices everything at our published rates and shows instantly whether you’re inside your available budget — adjust until it fits.
Standard, evening, weekend and public-holiday rates applied per our published price list. Care management is already covered by the 10% the government reserves from your budget — it is not added again here. Estimated contributions use the July 2026 minimum rates for your selected situation; part-pensioner and self-funded rates are means-tested by Services Australia and may be materially higher — treat the result as a guide, not a quote. Clinical supports attract no participant contribution, and from 1 October 2026 approved personal care also attracts no contribution (the planner applies this automatically from that date). Taxi fares and meal delivery are third-party purchases itemised separately (from 1 October 2026 a 10% handling fee applies), with the contribution rate of their service category applied; the food component of meals is always your own cost. Consumables such as continence products aren't included in this planner — funding depends on the official service list and your assessment, so please ask us. Standalone per-trip transport prices are published on My Aged Care. This planner is a guide; your Care Plan is confirmed together with us. Figures, assumptions and effective dates print with this page.
Our Support at Home price list
Clear pricing for your care and support — effective . Standard weekday prices are shown; evening, weekend and public-holiday loadings are set out in the table below the prices. Final charges depend on the services approved in your Care Plan and the actual booking time.
⬇ Download the full price list (PDF)
Prices include administration — no separate administration or provider-travel fee is added on top of published service prices. Evening loading applies to eligible services in the evening period; weekend and public-holiday rates apply by day of delivery. Minimum bookings and cancellation terms are set out in your service agreement. Schedule reviewed annually and when Government Support at Home pricing requirements change. Client contributions, where applicable, are determined separately. From 1 October 2026, applicable purchased third-party items — taxi and rideshare fares, meal delivery, continence and clinical consumables, and equipment (fee capped at $500 per order) — include a 10% handling fee calculated on the supplier’s invoice cost, as notified to clients. A new price schedule effective 1 October 2026 has been notified to clients and takes effect on that date.
Funding allocation by level
Every Support at Home classification and every former Home Care Package level, with the government funding attached — official amounts effective 1 July 2026, indexed each July. Click any level to see it in the calculator.
Support at Home classifications 1–8 (new assessments)
| Level | Quarterly budget | Yearly budget | ≈ Weekly for services* | |
|---|---|---|---|---|
| Classification 1 | $2,752.50 | $11,010.01 | ≈ $190.56 | Calculate › |
| Classification 2 | $4,112.84 | $16,451.35 | ≈ $284.74 | Calculate › |
| Classification 3 | $5,634.20 | $22,536.81 | ≈ $390.06 | Calculate › |
| Classification 4 | $7,617.13 | $30,468.51 | ≈ $527.34 | Calculate › |
| Classification 5 | $10,182.38 | $40,729.53 | ≈ $704.93 | Calculate › |
| Classification 6 | $12,341.32 | $49,365.27 | ≈ $854.40 | Calculate › |
| Classification 7 | $14,915.00 | $59,660.00 | ≈ $1,032.58 | Calculate › |
| Classification 8 | $20,034.28 | $80,137.12 | ≈ $1,386.99 | Calculate › |
Transitioned from a Home Care Package — levels 1–4
| Level | ≈ Quarterly | Yearly budget | ≈ Weekly for services* | |
|---|---|---|---|---|
| Former HCP Level 1 | $2,818.04 | $11,272.15 | ≈ $195.10 | Calculate › |
| Former HCP Level 2 | $4,955.44 | $19,821.76 | ≈ $343.07 | Calculate › |
| Former HCP Level 3 | $10,787.18 | $43,148.74 | ≈ $746.80 | Calculate › |
| Former HCP Level 4 | $16,353.98 | $65,415.91 | ≈ $1,132.20 | Calculate › |
* After the government's 10% care-management reservation — the amount actually available for your services each week. Classification and former-HCP budgets are the official Support at Home amounts effective 1 July 2026 (source: Department of Health, Disability and Ageing). Former-HCP participants who were receiving, or approved for, a package on or before 12 September 2024 are protected by the no-worse-off principle. All figures are indexed each July and confirmed at assessment.
How contributions work
Under Support at Home, what you pay depends on the TYPE of service and your pension status. Three simple rules cover almost everything.
Clinical supports — 0% participant contribution
Nursing and allied health attract no participant contribution, regardless of income or assets. These services still use your approved Support at Home budget — you simply don't pay a personal contribution toward their price.
Independence supports
Personal care, medication support, transport and social support attract a contribution from 5% (full pensioners) up to 50% (self-funded), based on your means assessment.
📣 Good news: from 1 October 2026 personal care (showering, dressing, continence, help with medication) becomes 100% government-funded — your contribution for these services drops to $0. Read more ›
Everyday living
Cleaning, gardening and domestic help attract the highest contribution — from 17.5% (full pensioners) up to 80% (self-funded).
Prefer the numbers? The same information as a table
| Your situation | Clinical care | Independence supports | Everyday living |
|---|---|---|---|
| Full Age Pensioner | 0% | 5% | 17.5% |
| Part pensioner / Commonwealth Seniors Health Card | 0% | 5% – 50% (means-tested) | 17.5% – 80% (means-tested) |
| Self-funded (no CSHC) | 0% | 50% | 80% |
Transitioned from a Home Care Package? If you were receiving your package — or approved for one — on or before 12 September 2024, the no-worse-off principle protects you: you will never pay more in contributions than under your old package, and if you paid no fees before, you generally pay nothing now. If you were approved after that date, the standard Support at Home contribution rates apply — we can check which group you're in over the phone.
There is a lifetime cap. Once your total non-clinical contributions reach $137,917.01 ($86,185.23 for protected former-HCP clients), the government covers the full cost of your approved non-clinical services from then on.
Financial hardship assistance is available through Services Australia — no one should go without care they need. We help with the paperwork, and we always show you your exact contribution in writing before any service begins. Figures current for 2026-27 and indexed periodically.
NDIS & Residential Care funding, just as clear
Different program, same promise: you always know who pays for what.
How NDIS funding works
- Clear, compliant pricing. NDIA-managed and plan-managed supports are charged in accordance with the applicable NDIS pricing arrangements; self-managed participants agree prices with us directly.
- All management styles welcome. Agency-managed, plan-managed or self-managed — we work with all three, subject to your available plan funding and service agreement.
- High-intensity loadings apply where your plan includes them — always agreed in your service agreement first.
- Transparent statements. You and your support coordinator see exactly what was delivered and claimed.
How Aged & Disability Residential Care funding works
- Your funding may help. Depending on your eligibility, some personal supports at our residence may be funded through the NDIS, Support at Home, TAC or another arrangement. Accommodation, meals, household costs and privately funded services are quoted separately — we confirm what is funded and what you will pay, in writing, before you decide.
- Accommodation & meals are separate. A simple, fixed amount payable by all residents — quoted in writing at your tour.
- No accommodation bonds or RAD-style deposits like traditional nursing homes.
- One written quote, everything itemised, before any decision is made.
Getting started with My Aged Care
1. Call My Aged Care on 1800 200 422 or visit myagedcare.gov.au — or call us first on 1300 845 766 and we'll help you prepare. 2. Have your Medicare card ready and describe what you're finding difficult at home — a hard day, not your best day. 3. A free assessment is arranged at your home. 4. When your support is approved, choose Rosewood Gardens as your provider — and we take it from there.
Other ways in: your GP or hospital can refer you (especially before discharge), you can apply online at myagedcare.gov.au/apply-online in about 10–15 minutes, or visit an Aged Care Specialist Officer at selected Services Australia centres (1800 227 475) for free face-to-face help. Whichever way you apply, we can support you through every step.
Centrelink hardship provisions: if contributions would cause genuine hardship, reduced-fee arrangements can be applied for through Services Australia — we assist with the paperwork.
Frequently asked questions
Is the assessment free?
What if I can't afford my contributions?
How does NDIS pricing work?
How are residential fees structured?
Do I pay anything for clinical care?
What is the 10% reserved for care management?
Is there a limit on how much I'll ever contribute?
What your funding actually buys
Care, comfort and company — not paperwork.
Let’s work out your funding together
Send the form and a dedicated Care Manager will call you back — usually within one business day. Or talk to a real person now.