Aged Care Financial Planning Strategies

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The calculator allows you to:

Understand a client's aged care costs, Age Pension entitlements and cash flow position
Project estate values under three different strategies
Model different care scenarios such as whether to keep or sell the family home
Produce a comprehensive client friendly report

Visit AdviserOnline to access the calculator. Registration is easy and free to all financial advisers. Or contact your BDM who can help you with running the aged care calculator for your clients and modelling different strategies.

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Helping with ongoing aged care costs

Challenger CarePlus
Technical paper
Aged care costs
Aged care guide

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Case study and webinar

Our Technical team have developed detailed case studies to demonstrate how you can generate income to help clients pay the ongoing costs of residential aged care as well as leave behind a lump sum to nominated beneficiaries or their estate.

Case study - Jane

Widowed, fund aged care and estate planning

Jane wants to afford her ongoing aged care fees and living expenses, provide an inheritance for her children and retain access to some funds.

Aged Care investment strategies webinar

Explore the strategies for someone entering aged care and demonstrate how to maximise cash flow and estate outcomes. We also hear from a financial adviser on how they’ve helped their clients through the aged care journey.

Watch now

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Age Pension Illustrator

Estimate your client’s Age Pension entitlement and see if your client is eligible for an immediate increase in Age Pension.

Adviser tools

Access these tools and more through our AdviserOnline portal. Register now - it’s easy and free.

Modelling scenarios

We offer a range of modelling tools including an Aged Care Calculator. Learn more about these tools and how to access them.

More about our tools

Generate quotes

Use this tool to generate a quote for Challenger CarePlus. It will show you the guaranteed income payments your clients could receive based on the factors you enter. Log into AdviserOnline to access eQuote.

Generate quotes

Finding knowledge

Our resources are designed to empower you with the knowledge and tools you need to better serve your aged care clients. Take a look at the broad range of information for advisers that is held in our adviser Knowledge Hub.

Access now

Our Distribution team can help

Our Challenger Distribution team are experienced in helping advisers develop aged care strategies that help give clients confidence in retirement. You can request a call from a BDM or call us on 13 35 66.

Contact a BDM

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You can add your practice branding to these documents and share them with your clients. Here are instructions for adding your branding.

Aged care - getting approval

In this client guide we look at getting started on the track to accessing government subsidised aged care services.

Download

Types of aged care

In this client guide we look at the types of aged care available, depending on the outcome of the assessment.

Download

Aged care - fees and funding

In this guide we look at some of the costs involved when entering permanent residential aged care.

Download

Preparing for the aged care conversation

This guide looks at the 5 key considerations to prepare your clients for their first aged care conversation.

Download

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Latest adviser education and research

Our experts keep you up to date with education, insights and research for advisers relating to retirement income, aged care, and economic and market updates.

Group of seniors with instructor using chalk before climbing rocks outdoors in nature active lifestyle

Social security income and assets test strategy zones

Card - technical resources - age care reforms_

Aged care reforms from 1 July 2025

The Challenger Tech team have identified the impact of the proposed aged care reforms on both residential aged care and home care (Support at Home) from 1 July 2025.

Download

retired couple on lounge looking at an ipad

Protecting retirement income from inflation

The fall in inflation from multi-decade highs is good news for the Australian economy. Many retirees are struggling to manage their cost of living because of the cumulative impact inflation has had on their financial position.

Deciding what to do with the former home when entering residential aged care

An important decision when a person moves out of their home to enter residential aged care is what to do with their former home.

Aged care questions you’ve asked in 2024

The Challenger Technical team provides advisers with specialist technical support focusing on both pre and post-retirement related advice issues including aged care.

Download

Table of Contents

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Understand your client’s aged care costs and Age Pension entitlements with our Aged Care Calculator

The calculator allows you to:

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Helping with ongoing aged care costs

Helping with ongoing aged care costs

Funding accommodation payments for residential aged care

Average costs of residential aged care

Aged care guide

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Case study and webinar

Case study - Jane

Aged Care investment strategies webinar

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Age Pension Illustrator

Adviser tools

Modelling scenarios

Generate quotes

Finding knowledge

Our Distribution team can help

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Resources to share with your clients

Aged care - getting approval

Types of aged care

Aged care - fees and funding

Preparing for the aged care conversation

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Latest adviser education and research

Social security income and assets test strategy zones

Aged care reforms from 1 July 2025

Protecting retirement income from inflation

Deciding what to do with the former home when entering residential aged care

Aged care questions you’ve asked in 2024

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Table of Contents

The calculator allows you to:

Helping with ongoing aged care costs

Funding accommodation payments for residential aged care

Average costs of residential aged care

Aged care guide

Case study and webinar

Case study - Jane

Aged Care investment strategies webinar

Age Pension Illustrator

Adviser tools

Modelling scenarios

Generate quotes

Finding knowledge

Our Distribution team can help

Aged care - getting approval

Types of aged care

Aged care - fees and funding

Preparing for the aged care conversation

Social security income and assets test strategy zones

Aged care reforms from 1 July 2025

Protecting retirement income from inflation

Deciding what to do with the former home when entering residential aged care

Aged care questions you’ve asked in 2024