RAD vs DAP Calculator
Should you pay the lump sum RAD or the daily DAP? Enter a room price to see a side-by-side comparison and find out which option costs less.
A lump sum paid upfront to the facility. It works like a deposit — the full amount (less any retention under new rules) is returned to you or your estate when your loved one leaves care.
A daily rental charge paid instead of (or alongside) the RAD. Calculated as: RAD × MPIR ÷ 365. DAP payments are not refunded — they are a cost.
Current MPIR: 8.38% (effective from 1 January 2026, updated quarterly). You must choose your payment method within 28 days of admission. Read the full RAD guide →
Rates may be out of date. These calculations use rates effective from 20 September 2025. Updated rates were expected on 20 March 2026. We are working to verify and publish the new rates — please check back shortly.
Want your total cost picture?
The accommodation payment is only one part of aged care costs. Use our full calculator to include the basic daily fee, means-tested care fee, and affordability analysis.
Calculate my full estimated cost →Related guides
This calculator provides indicative comparisons based on current rates and is for general information only. It does not constitute financial, legal, or taxation advice. Individual circumstances vary significantly. Consider seeking advice from an accredited aged care financial adviser before making accommodation payment decisions.