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Call the Aged Care Advocacy Line, our national team of advocates is available Monday to Friday 8am–8pm and Saturday 10am-4pm 

Notice: We’re updating this website to reflect changes under the new Aged Care Act, commencing 1 November 2025

Self-advocacy toolkit

What you need to know for better aged care

Self-advocacy or speaking up means having the right information to get the care and support you need. Explore the topics below to start.

Home Self-advocacy toolkit Aged care costs Where to go for further help

Where to go for further help

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Aged Care Specialist Officers (from My Aged Care) provide in-depth information and face-to-face support in some parts of Australia. Click here for a list of locations.

OPAN network member adovocates, supported by Financial Advocacy Officers, can help you to understand costs, options and alternative solutions. They might also refer you to Services Australia’s free Financial Information Service (FIS), which helps you to make informed decisions about your finances.

Financial Information Services Officers can help you to plan for your future financial needs, but they do not offer financial advice.

There are further resources and tools listed below.

Documents and external links

Learn more about where to go for further help. These documents and websites offer help, strategies, and practical information. Brief descriptions are provided for each document or link.

How do aged care costs work?

Visit the My Aged Care website to understand how what you pay for aged care services is calculated, depending on the type of help you need, the provider you choose, your financial situation, and the services you receive.
Screenshot of the My Aged Care website

Aged care home costs and fees

View the My Aged Care website to learn about aged care home costs and fees, including what fees exist, what the government contributes, what you may have to pay.
Screenshot of the My Aged Care website

Aged care home fee estimator

My Aged Care’s fee estimator tool for aged care homes will help you understand the different types of fees that apply for residential aged care and how much you might have to pay. 
Screenshot of the My Aged Care website

Support at Home costs and contributions

If you are eligible for the Support at Home program, it’s important to understand what contributions you may have to pay. Visit the My Aged Care website for more information on contributions and managing your budget. 

Support at Home fee estimator

My Aged Care’s fee estimator tool for Support at Home services will help you calculate how much you will need to contribute to your care. You can also use it to plan your Support at Home budget.

My Aged Care income and assets assessments for Support at Home

Some of your aged care costs will depend on your financial circumstances. To find out how much you will contribute towards Support at Home services, you will need an income and assets assessment.

Financial support and advice

When planning your finances for aged care, there are many aspects to consider—for example, pensions, superannuation, and retirement planning. So, it’s beneficial to seek independent financial advice before deciding how to pay for your aged care. This My Aged Care page outlines services and tools that can help.

Aged Care calculation of your cost of care

Services Australia can provide you with information on how much you will pay towards your care services based on your financial details.

Financial Information Service (FIS) Officers

Learn about Service Australia’s Financial Information Officers, how they can help and the services they provide in relation to your future financial needs.

Financial Information Service

Learn about Service Australia’s Financial Information Service which can help you make informed decisions about your finances including helping you understand what happens when you move into aged care.

Need more support?
Call 1800 700 600