Free, and nothing changes on this page. One email, then only if the rates change or a deadline is close. Unsubscribe in one click.
Every calculation is unlocked. Change one figure and re-run it as many times as you like — nothing is deducted, nothing counts down, and none of it expires.
Before the holding deposit, or before the estate settles
The brochure has the price. The contract has the fee, the base it is charged on, the accrual, and the capital gain clause — on four different pages, all lawful and all disclosed. No document anywhere adds them up. Most families find out what they come to on the day the unit is resold, which is usually the week a parent moves into care or the month after a funeral.
A solicitor reads the contract and tells you what it says, for $800 to $2,500, over weeks you do not have. This tells you what it does, in four minutes — priced at three, five, eight and twelve years, against staying put, downsizing and a land lease community.
A rough guide on the most common contract in Australia — the fee charged on what you paid, with no share of the capital gain. The full calculator asks what your own contract says, which changes the answer by a great deal.
If this is you
Nobody hid anything. The fee is disclosed, the base is disclosed, the capital gain clause is disclosed — on three different pages, and no document runs them together against a length of stay.
A life's savings committed on somebody else's timetable, usually straight after a fall or a hospital discharge. The contract runs to a hundred pages, the holding deposit is due on Friday, and the one decision that cannot be undone is the one being made in a hurry by somebody who did not ask for the hurry.
They are real charges with real figures behind them and none of them means what it sounds like. An ingoing contribution is not a purchase price and a deferred management fee is not a management fee. They are written in language nobody outside the industry uses and nobody inside it has to explain.
The village says most residents are very happy. A friend says it cost their mother two hundred thousand. A newspaper says villages are a scandal. All three can be true at once, because they are describing different contracts at different villages in different states, most of them signed under rules that have since changed.
The right question, and the one nobody models. A fee priced against a decade is paid in full after three years, and a fall or a diagnosis is usually what decides which.
You type in what you have. We apply the actual published rules, work out every way you are allowed to do this, and put them in order. No jargon, no appointment, nobody selling anything, and nothing you have to ring to find out.
Three questions, thirty seconds, and you will know roughly where you stand. It costs nothing.
The loss
Three clauses separate these two contracts, and all three are findable in about ten minutes. Neither village did anything unlawful and neither hid anything.
Margaret is invented and this page says so. What is real is everything underneath her: the Retirement Villages Act in each state, the PwC and Retirement Living Council Census averages, and the arithmetic that runs them together — all published, all cited, and all applied to your own figures rather than to hers.
The alternatives
| Guess what most people do |
A review a solicitor reads the contract |
Retirement Village Exit Fee Calculator This calculator |
|
|---|---|---|---|
| What it costs | Nothing now, six figures at the end |
$800 to $2,500 | $249 |
| How long it takes | an evening of worrying | one to three weeks | Under 3 minutes |
| Every option priced | |||
| Working shown | not usually priced |
The clock
This subject runs on deadlines and none of them is negotiable. Miss one and the choice gets made for you, at a price you did not pick and on a timetable you did not set.
From the day the keys go back, under ss 152 and 153. In South Australia it is nothing at all; in Queensland it is 90 days and then a share to nine months; in the ACT it is 42 days and then a share that is usually nothing; and in Western Australia, Tasmania and the Northern Territory there is no cap at all and the charges run until it sells. Nobody has to tell you which of those you are in. The rate that applies is — a year. the guide that sets out how the fee works.
Stage 1 of the Retirement Villages Amendment Act 2024: twelve months to pay an exit entitlement and to complete a compulsory buyback, where before that date there was no deadline at all. A A calculation run against the old schedule is not slightly out; it is out in every line. These figures are the — schedule.
Queensland's s 63, and it is the outer limit rather than the expectation — the contract date or the settlement date usually binds first. What the money earns in the meantime is assumed at — a year unless you tell us otherwise.
The report
The free estimate tells you roughly where you stand. This is the part that gives you the actual numbers and puts every option in order. Twelve sections and eleven charts, on your own figures, with every working shown so you can check it or argue with it.
See a real one, free — an invented household run all the way through, with the open half exactly as a customer sees it, and the assistant live on it for two questions.
How it works
If you can read a contract page, you can use this. Simple mode asks six short questions and gets you a real figure. Advanced opens every assumption behind it, for anybody who wants to argue with one.
The unit price, how long there, the state, and what the fee clause says. No names, no tax file number, nothing you would not tell a bank teller — and nothing that identifies the village or the person living in it.
What the contract takes, what comes back, and the names of all four alternatives — free, and specific to your own figures. Not a band, not a guide, and not an invitation to ring somebody.
$249 opens the full report: every option worked out and put in order, so the expensive one is obvious before you commit. PDF included, ready to print.
Eight state and territory Retirement Villages Acts, cited to the section, and the PwC / Retirement Living Council Retirement Census for CY2024 — 1,070 villages, and the only published dataset on Australian village fees.
Nothing is a black box. Every figure in the report carries the arithmetic that produced it.
We are not licensed to tell anybody what to do, and we do not. What we do is the arithmetic, which is the part that was missing anyway.
If the report does not apply to your circumstances, it is refunded. Keep the terms here identical to the ones on the pricing page and in the checkout.
Included with the report
Every report comes with an assistant that has read your report — your figures, your options, your numbers — and answers questions about it in plain English. Not a search box and not a help page. It knows what your report says because it has been given it.
An example of the kind of answer it gives, on the sample report's figures.
Pricing
One payment, no expiry, nothing to renew, and we never keep your card. It opens the whole report and lets you redo the sums as often as you like, for as long as you like.
Prices in Australian dollars. Paid securely through PayPal — card or PayPal balance, no account needed. See a sample report before you decide.
Questions
On about two thirds of Australian villages, no. The Census reports that roughly two thirds of villages charge the fee on what you paid and give the resident no share of the capital gain at all — so a unit that doubles in value over a long stay doubles for the operator. This is usually the single most expensive clause in the contract, and it is not the one anybody reads first. Where a share is offered it is a separate clause, several pages from the fee, and it changes more than the money: in New South Wales a 50% share makes you a registered interest holder under s 7(1)(c), which is what opens the exit entitlement order in Part 10AA.
It depends entirely on the state, and the range runs from nothing to forever. South Australia and Victoria: nothing — the operator picks the charges up the day you cease to reside. New South Wales: 42 days from the day the keys go back, under ss 152 and 153. Queensland: 90 days and then a share to nine months, worked out on the gross ingoing contribution under s 104(3). The ACT: 42 days and then a share worked out on the capital gain under s 210(3) — which on the most common contract is nothing, so the operator carries the rest. Western Australia, Tasmania and the Northern Territory: no cap at all, and the charges run until it sells. On the Census average that last one is about $14,970 over a two year sale.
Queensland allows 18 months (s 63). South Australia and Victoria allow 12. Western Australia gets 12 from 1 September 2026, where before that date there was no deadline at all. Tasmania allows six (s 12(a)). New South Wales and the ACT both give six months to one kind of resident and nothing to the other — and they do it in opposite directions. In New South Wales the exit entitlement order is open only to a registered interest holder; in the ACT the six month long stop in s 238(2)(h) applies only to somebody who is not one. Only the Northern Territory sets no deadline at all. The Census reports the national average at 177 days from vacant possession to settlement.
No, and this is the misunderstanding most of the money hides behind. On about 87% of Australian villages what you sign is a loan and licence or a loan and lease: the ingoing contribution buys a right to occupy, not the unit. You are not on the title, you are not the owner, and what comes back at the end is an exit entitlement worked out under the contract rather than a sale price. That is the reason a deferred management fee can exist at all, and the reason a village unit usually costs less than the same unit bought outright.
One line in the fee clause, and on an ordinary stay it is worth six figures. A fee "on the ingoing contribution" is a percentage of what you paid. A fee "on the outgoing contribution" is a percentage of what the next resident pays — so it collects the whole of the market’s growth on top of the fee itself. On the Census average unit over eight years the difference is around $149,000. The words that decide it come immediately after the percentage, and they are the fastest thing to check in the whole contract.
A percentage of the unit price, building up for every year you live there and deducted when the unit is resold. It is also called a departure fee, an exit fee or a deferred management charge. The Census reports the average maximum across 972 Australian villages at 33% of the price, building up at typically 3% to 7% a year. On the average $651,000 unit over the average stay of 9 years that is a six figure sum — and on most contracts the capital gain clause takes more again.
No, and this is the part that surprises people who have read the contract carefully. Once the cap binds — on a 5% fee capped at 33%, part way through year seven — the fee stops growing and the exit entitlement stops falling. But on a contract with no share of the capital gain, that entitlement is then frozen in nominal dollars for the rest of the stay while the unit keeps appreciating for somebody else. Between years eight and twelve on the Census average the resident’s entitlement does not move and the operator collects a further $323,000 of growth. The cap is not protection; it is the point at which the fee stops being the problem.
Not necessarily, and this calculator will say so when the figures say so. A village genuinely can come out ahead of buying the same unit outright — a lease usually attracts no transfer duty, and where the duty and the strata levies it replaces outweigh a small fee, the village wins. What a village also buys is a lower price on the way in, the services the recurrent charge pays for, and a community with somebody on call, and none of those three is a number any calculator can price. What is not defensible is signing without knowing which one you have.
The free page tells you what the contract takes, the share of it that is the fee and the share that is the capital gain, and the names of every alternative. The report prices them: the fee schedule year by year, all four horizons, what each of the three clauses would be worth if it read the other way, your own state’s deadlines cited to section, and the village ranked against staying put, downsizing and a land lease community on one measure — what the household holds at the end. One payment, and it does not expire, so the same report is still there when a parent moves into care four years from now.
The contract locks in the fee rate, the base, the accrual and the capital gain share on the day it is signed, and none of them can be renegotiated afterwards. The exit is usually eight years later, and by then the only question left is arithmetic. Three minutes now is the cheapest three minutes of the whole process.
No card. No sign up. Your answer on the next screen.
Four minutes, free, no card and no sign up. If the contract turns out to be a good one we will tell you that too.
Runs the fee clause, the capital gain clause and your state’s Act together at four horizons — and prices the village against staying put, downsizing and a land lease community on one measure.
Figures as at —.
Your estimate
That is the gap between the best and the worst way of housing this money, on the figures you entered. The report opens the fee year by year, the four horizons to the dollar, the three clauses priced separately, and every alternative ranked on one measure.
You can provide a different email to use as your login - or the PayPal one
And you can ask it questions. Your report comes with an assistant that has read it and explains any figure in plain English — if you want it. It is given the amounts on your report, never your name or your email, and the conversation stays in your browser.
The whole report as a PDF, with every chart, so it can be forwarded to a sibling, taken to a solicitor, or read again in four years when somebody actually has to move.
One email, then only if the figures change or a deadline is close. Unsubscribe in one click. We never sell your address.
Before you sign, or before you settle
A deferred management fee, a capital gain clause and an exit obligation are three separate pages of a hundred page contract, and the answer only appears when they are run together against a length of stay nobody knows in advance. This runs them, at four horizons, and prices the alternatives beside them. What that is worth is the difference between signing a contract you have priced and signing one you have not, and on the Census averages that difference runs to six figures.
Yes, it is included, and using it is entirely your choice. It sits behind one button on your report and does nothing until you press it — nothing in the report is held back from somebody who never opens it.
When you do ask it something, what it receives is the figures on your report: amounts and categories. Not your name, not your email address, not your account, and never a Medicare number, tax file number or bank detail — we do not hold those in the first place. The name you can put on the report cover is optional and is not part of what it is given. The conversation stays in your browser tab and is gone when you close it, and we record that a question was asked without recording what it said.
Section 5 of the privacy policy sets out exactly what does and does not travel, including who processes it.
No. You pay once and the access is yours. There is no subscription and nothing renews. PayPal handles the payment, so we never even see your card number.
Run it on the defaults, which are the published Census averages. The report shows what a different fee rate, a different base and a different capital gain share would each be worth, so you know exactly which three questions to ask before you sign anything.
Retirement Village Exit Fee Calculator provides information, not financial product advice. We are not licensed to give personal financial advice and we never tell you which option to pick. What we do is apply the published rules to the figures you enter and show you what they produce, with every working visible. Your real position is set by the contract you sign with the operator and by the Retirement Villages Act in your own state — not by this report, which applies those rules to the figures you give it and shows you what they produce.
The full report opens the moment the payment clears, and it never expires.
You can provide a different email to use as your login - or the PayPal one
Worked examples
Every one of them is invented and every figure is real: ordinary contract terms at ordinary villages, priced by the same engine that builds a paid report. Six of the eight get back less than they paid to get in. Two get back more, and two findable clauses are the difference. Nothing below is typed in, which is why it moves when the rules do.
On about two thirds of Australian contracts the resident gets no share of the capital gain at all. Over an average stay in a normal market, that clause is worth more than the deferred management fee itself — and it is on a different page of the contract.
The same contract in South Australia and in Western Australia is two different contracts. One has the operator picking up the charges the day the keys go back; the other has no cap at all and no deadline for being paid until 1 September 2026.
Everything below is those facts in real dollars, for eight different families. Worked out on the current schedule.
Your own figure depends on four things none of these families share with you: the unit price, the fee clause, the capital gain clause and the state. Change any one and the order below changes completely.
Every way of housing the same money over eight years, and what each one leaves the household at the end. Same person, same money, same eight years — the difference is only in what the contract is allowed to keep on the way out. Ranked on one measure and one only: what the household holds at the end after every fee, charge and cost of getting out. It is not a recommendation. Open Show Details on any row for what it means in plain English and the clauses that decide it.
Three numbers. Everything else in the report explains where they came from and what would change them.
Where the $666,613 goes. $214,830 is the deferred management fee, which reached its 33% cap in year seven. $423,374 is the operator's share of the capital gain — on Margaret's contract, all of it. $27,548 is selling and marketing, and $861 is the 42 days of recurrent charges New South Wales allows after she handed back the keys. Reinstatement is nil, because s 164 of the New South Wales Act removes refurbishment liability for contracts entered into after it commenced.
The fee is not the biggest line. The capital gain is, and it is nearly twice the fee. That is true on most Australian contracts over most lengths of stay, and it is the line almost nobody knows is there.
The axis starts at the lowest rather than at zero: all four are seven figures of the same money, and the differences between them are the whole point.
The one picture nobody is shown before signing. The top line is what the unit would resell for in each year of the stay. The middle line is what Margaret actually gets. It stops falling in year seven because the fee reached its cap — and then it stops moving at all, frozen in nominal dollars while the unit keeps appreciating for somebody else.
Five per cent a year, capped at 33%. The cap binds part way through year seven, which is the one part of this contract working in Margaret's favour — and on a contract with no capital gain share it is also the year her exit entitlement stops moving for good.
Six deductions, in the order the contract applies them. Margaret's own share is one segment of it, and it is not the largest.
Everything above is real arithmetic on a fictional household. Run yours and this half opens on your own figures.
And you can ask it questions. Every report comes with an assistant that has read your report and explains any figure in it in plain English. Using it is entirely your choice, it does nothing until you press the button, and it is given the amounts on your report and never your name, your email or your account.
That is somebody else's answer. Yours takes about three minutes and costs nothing.
The link may have already been used. If you are still getting emails, write to us and we will stop them by hand.
Guides
Written for somebody at a kitchen table with a contract they did not choose to be reading, usually in a week nobody planned. Every figure is cited to a section of an Act or to the published Census. Plain English, this year's rates, and all of the working shown — which is what makes them different from the official page they sit beside in the search results.
Reading is useful. Knowing what this is about to cost you is better.
Foundations
A retirement village contract runs to a hundred pages and three of them matter more than the other ninety-seven. What the fee is charged on, how it accrues, and who keeps the capital gain — and all three can be found in about ten minutes if you know the words to look for.
Find the percentage. Read the words immediately after it.
If they are ingoing contribution, entry payment or the amount paid by the resident, the fee is a fixed dollar figure from the day the contract is signed. If they are resale price, outgoing price, market value or the amount paid by the incoming resident, it rises with the market for the whole of the stay.
On a $651,000 unit held eight years at the published growth rate, that single phrase is worth about $148,000.
In the same clause, usually a sentence or two later, there will be something about how a part year is treated. Look for pro rata, on a daily basis, or for each day — which is the fairer arrangement — against for each year or part of a year, which charges the whole of the year somebody leaves in.
If the contract is silent, ask. In Queensland, section 53A makes daily accrual compulsory for any contract entered into after it commenced, so a Queensland contract that steps at each anniversary is doing something the Act does not allow.
Its own heading, usually several pages from the fee. Look for capital gain, capital appreciation, or share of the increase in value.
If the contract does not mention one, the answer is nought — and that is the most common arrangement in Australia. Over an average stay it is worth more than the fee.
The condition report. Reinstatement is measured against the condition of the unit on the day of moving in, fair wear and tear excepted. Without the report signed on that day there is nothing to measure against, and the argument at the end is one nobody can win.
The estimate provision. Most state Acts require the operator to give a written estimate of the exit entitlement on request. Queensland's section 54 is explicit about it. Asking for one in writing is free and it produces the operator's own arithmetic on the operator's own letterhead.
Nothing on its own. The point of the three is that they only produce a number together, and only against a length of stay — which is precisely what no document in the contract does and what this calculator is for.
Put the three clauses in and the report prices each one separately, at three, five, eight and twelve years, so you know what each is worth before you sign anything.
Your saved reports and your access are waiting.
Free. It saves your scenarios so you never re-type a figure.
We will email you a link that works once and expires in an hour.
Pick something you will remember.
Unlock the full report to see every option priced and ranked.
About
Most people who use this are deciding whether a parent should move into a retirement village, or working out what an estate is actually owed after one has died. Six figures are attached to the decision, it is usually being made in a week nobody planned, and almost nobody making it has ever seen the arithmetic laid out in one place.
The rules are not secret. They are in eight state and territory Retirement Villages Acts, in the PwC and Retirement Living Council Retirement Census published every July, and in the contract itself. What none of those documents does is run the fee clause, the capital gain clause and a length of stay together, which is the only calculation that produces a number. So this names the instruments it applies — the Act in each state, the regulations under it, the published Census — and then does the thing none of them does. The rules are all public. They are also spread across eight Acts, written for administrators, and reindexed on a cycle nobody outside the industry follows, which is why so few people ever see their own figures.
Retirement Village Exit Fee Calculator does one thing: it applies those published rules to your figures and shows you, in full, what they produce. Every option priced, every option ranked, and every working visible so you can check it, argue with it, or take it to somebody who can.
We do not tell you what to do. We are not licensed to, and frankly the arithmetic is the part people are missing — not the opinion. the eleven questions worth asking before signing if you decide you want it as well.
Short version: we hold as little as we can, we never ask for the identifiers that matter most, and the calculation runs on your own device. The long version is below, because you are entitled to it.
This policy explains how XTO Pty. Ltd. (we, us, our) collects, holds, uses and discloses personal information, and how you can access, correct or complain about it. We handle personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
It applies to calculatedchoices.com.au and to every email we send you. It does not apply to any third party site we link to.
We do not ask for, and you should never send us, your Medicare number, tax file number, tax file numbers, bank account numbers, Medicare numbers, or a copy of anybody’s village contract, bank account details or card number. The calculator does not need them. If you send one to us anyway we will delete it rather than store it.
We do not collect sensitive information as defined in the Privacy Act — health information, racial or ethnic origin, political or religious beliefs, sexual orientation, or criminal record. Where the calculator asks about care needs it asks about funding categories, never about a medical condition.
Information you give us
Information collected automatically
In your browser, on your device. The figures you type into the calculator are processed locally to produce your result. They are transmitted to us only if you choose to save a scenario to your account. If you never save one, we never receive them.
Two exceptions, and both are things you have to choose to do:
A paid report comes with an optional assistant you can ask questions about your own figures. It is the one part of this site that sends anything to a third party, so it is set out here in full.
It is entirely your choice, and it does nothing until you use it. Nothing is sent anywhere unless you open the assistant and ask a question. If you never open it, this section does not apply to you at all, and the rest of the report works exactly the same.
What is sent when you do ask
What is not sent
What travels is a set of amounts and categories. On its own it does not identify anybody, and we do not send anything alongside it that would.
Who processes it
The request is answered by Google's Gemini API, which processes it outside Australia — see sections 10 and 11. We do not train any model on your figures and we have no arrangement permitting anyone to do so; what Google does with data sent to its API is governed by its own terms, which we do not control.
How long it is kept
Because the assistant is optional, you can have the entire paid report without any of the above ever happening. Nothing in the report is withheld from somebody who never opens it.
We use the following, and nothing else:
You can clear or block these through your browser at any time. Clearing them will sign you out and reset your preferences; the site will otherwise work normally.
We use Google Analytics and Google Ads to measure how people find and use the site and whether our advertising is worth running. Where these are enabled, Google receives your IP address, device and browser information, the pages you viewed, and — when you complete a purchase — the order reference and the amount paid. Google may set its own cookies and may combine this with data it holds from other sources. Google's handling of that data is governed by its own privacy policy, not ours.
We do not sell your personal information, and we do not disclose it to data brokers, advertising networks other than as described above, any government identifier, or the name of the village, or anyone who might try to sell you something.
You can opt out of Google Analytics using Google's browser add-on, and you can adjust personalised advertising in your Google account settings.
Payments are processed by PayPal. Your card or account details are entered on PayPal's systems and are never transmitted to, seen by, or stored on our servers. We receive only the transaction reference, the amount, the status and the email address associated with the payment.
Some of these providers store or process data outside Australia, principally in the United States (Google, PayPal) and, depending on our email provider, in other countries. By using the site you acknowledge that we take reasonable steps to ensure overseas recipients handle your information consistently with the APPs, but that we cannot control and are not accountable for how an overseas recipient handles it once disclosed, and that you may not be able to seek redress in that jurisdiction.
The site runs entirely over HTTPS. Passwords are stored as salted PBKDF2 hashes, not as text anyone here can read. Access to the database is restricted to those who need it. No system is perfectly secure, and we cannot guarantee the security of information transmitted over the internet, but we take reasonable steps to protect it from misuse, interference, loss and unauthorised access, modification or disclosure.
If a data breach occurs that is likely to result in serious harm, we will notify you and the Office of the Australian Information Commissioner as required by the Notifiable Data Breaches scheme.
If you give us your email address for a free estimate we may follow up about the full report. Every commercial email we send identifies us and carries a functional unsubscribe link, as required by the Spam Act 2003 (Cth). We action unsubscribes immediately. You will still receive transactional email — receipts, access details and password resets — because those are not marketing.
Write to support@calculatedchoices.com.au. We will:
We will respond within 30 days and will not charge you for making a request. We may need to verify your identity first.
If you think we have breached the APPs, write to support@calculatedchoices.com.au with "Privacy complaint" in the subject line. We will acknowledge within 5 business days and respond substantively within 30 days.
If you are not satisfied with our response, you may complain to the Office of the Australian Information Commissioner: oaic.gov.au, 1300 363 992, or GPO Box 5288, Sydney NSW 2001.
The site is intended for anyone considering a retirement village, living in one, or settling the affairs of somebody who did. It is not directed at children and we do not knowingly collect personal information from anyone under 18.
We may update this policy. The effective date at the top changes when we do. Where a change is material we will tell you by email or by notice on the site before it takes effect. Continuing to use the site after that means you accept the updated policy.
Privacy Officer
XTO Pty. Ltd. (ACN [ACN NOT SET])
support@calculatedchoices.com.au
Plain English, because the whole point is that you understand it. Section 6 is the one that matters most — please read it before you rely on anything here.
By using calculatedchoices.com.au (the site) or buying a pass you agree to these terms. If you do not agree, do not use the site. In these terms we, us and our mean XTO Pty. Ltd.; you means the person using the site or, where you use it on behalf of another person or an entity, both you and that person or entity.
You must be at least 18 and legally able to enter a contract. The site is intended for use in Australia and applies Australian law and the state Retirement Villages Acts and the contract terms you enter only. If you use it from outside Australia you do so on your own initiative and are responsible for local compliance.
Retirement Village Exit Fee Calculator is an information and calculation service. It applies the state Retirement Villages Acts and the contract terms you enter to figures you supply and reports what those rules produce, showing its workings and naming the fee schedule used.
It is not financial product advice, personal advice, legal advice, tax advice, accounting advice or financial or legal advice, and it is not a recommendation to acquire, dispose of or deal in any financial product.
You should obtain independent, licensed advice before acting. Any decision you make is yours.
We take considerable care to keep the rates current and the formulas right, and every report prints the schedule it was built on. Even so:
Always confirm before you act.
You acknowledge and agree that you are solely responsible for evaluating the output, for verifying it against official sources, for obtaining independent professional advice, and for every decision you make or do not make. We are not your adviser and no fiduciary or advisory relationship arises from your use of the site.
You are responsible for keeping your password confidential and for everything done under your account. Tell us immediately at support@calculatedchoices.com.au if you suspect unauthorised use. We may suspend or close an account we reasonably believe is being used in breach of these terms.
A report you export as a PDF or otherwise save remains yours to keep and to show to family, an adviser or village operator. That licence is personal and non‑commercial. It does not permit republication, resale, or use as part of a product or service you provide to others.
Our promise: if the calculator cannot properly model your circumstances, or something has gone wrong, write to us within 14 days of purchase and we will refund the pass. No form and no argument. We would rather refund you than have you rely on a number that does not fit.
This is a voluntary commercial guarantee offered in addition to, and it does not limit, your rights under the Australian Consumer Law. Refunds are made to the original payment method within five business days of us accepting the request.
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All content, code, calculation methodology, report design, text and branding on the site is owned by us or licensed to us and is protected by copyright and other laws. Legislated rates and government data are not owned by anyone; our expression, arrangement and implementation of them is. Nothing in these terms transfers ownership to you.
We aim to keep the site available but do not guarantee it will be uninterrupted, timely, secure or error free. We may modify, suspend or discontinue any part of it, and may perform maintenance, at any time. If we permanently discontinue the service while your pass is running, we will refund the unused portion.
The site relies on third party services including PayPal, Google and our hosting and email providers, and links to third party sites and government resources. We are not responsible for those services or sites, their availability, their content or their terms.
Our goods and services come with guarantees that cannot be excluded under the Australian Consumer Law. For major failures with the service, you are entitled to cancel your service contract with us and to a refund for the unused portion, or to compensation for its reduced value. You are also entitled to be compensated for any other reasonably foreseeable loss or damage. If the failure does not amount to a major failure, you are entitled to have problems with the service rectified in a reasonable time and, if this is not done, to cancel your contract and obtain a refund for the unused portion of the contract.
Nothing in these terms excludes, restricts or modifies any consumer guarantee, right or remedy conferred by the Australian Consumer Law or any other law which cannot lawfully be excluded, restricted or modified. If any part of these terms would do so, that part does not apply.
Subject always to section 15, and to the maximum extent permitted by law:
You agree that this allocation of risk is reasonable given the price of the service and that the service is information rather than advice.
Our liability is reduced to the extent your loss is caused or contributed to by you, including by entering incorrect figures, by failing to verify output against official sources, or by failing to obtain independent advice.
To the maximum extent permitted by law, you indemnify us against any claim, loss, liability, cost or expense (including reasonable legal costs) arising from your breach of these terms, your misuse of the site, or your provision of the site's output to a third party who relies on it. This does not apply to the extent the claim arises from our own breach, negligence or wilful misconduct.
You may stop using the site at any time. We may suspend or terminate your access immediately if you breach these terms. Sections 4, 5, 6, 9, 12, 15, 16, 17, 19 and 20 survive termination.
Our Privacy Policy forms part of these terms and explains how we handle personal information.
These terms are governed by the laws of New South Wales, Australia. You and we submit to the non‑exclusive jurisdiction of the courts of New South Wales and the courts entitled to hear appeals from them.
XTO Pty. Ltd. (ACN [ACN NOT SET])
support@calculatedchoices.com.au