Free, and nothing changes on this page. Your figures now, then a few short follow ups at most. Unsubscribe in one click.
Everything is unlocked. Change one figure and run it again as often as you like. Nothing is deducted, nothing counts down, and none of it expires.
About to sign a village contract? Settling an estate? Read this first.
The brochure shows the price. The real cost hides in four clauses: the exit fee, what it is charged on, how fast it builds, and who keeps the capital gain. All legal. All disclosed. But nobody adds them up for you. Too often the family sees the total only when the unit is resold: the week a parent moves into care, or the month after a funeral.
A solicitor can tell you what the contract says. That costs $800 to $2,500 and can take weeks you may not have. This shows you what it costs you, in about four minutes. Your exit priced at three, five, eight and twelve years, side by side with staying put, downsizing and a land lease community.
A rough guide on the most common contract in Australia: the fee is charged on what you paid, and you get no share of the capital gain. The full calculator asks what your own contract says, and that can change the answer a lot.
Sound familiar?
Nobody hid anything. The fee, what it is charged on and the capital gain clause are all disclosed. They just sit on three different pages, and no document puts them together for a real length of stay.
It often comes straight after a fall or a hospital stay. The contract is a hundred pages long, the holding deposit is due on Friday, and a life's savings is about to be locked in on somebody else's timetable. The one choice you cannot undo is being made in a rush.
Real charges, real money, and none of the words mean what they sound like. An ingoing contribution is not a purchase price. A deferred management fee is not a management fee: it is an exit fee, taken when you leave. Nobody stops to explain any of it.
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 talking about different contracts, in different villages, in different states, most of them signed under rules that have since changed.
It is the right question, and hardly anyone works out the answer. A fee you expect to spread over ten years can be taken in full after three. A fall or a diagnosis usually decides which one you get.
You enter what the contract says. It applies your state's Act and the published averages, prices the village against the three alternatives, and puts all four in order. No jargon, no appointment, no sales call.
About four minutes, and it costs nothing. You will see what you get back, and what the contract costs you compared with buying the same unit outright.
The real cost
Three clauses make the difference, and you can find all three in about ten minutes. Nobody broke the law. Nobody hid anything. Nobody added it up.
Margaret is made up, and we say so. Everything behind her is real: the Retirement Villages Act in each state, the PwC and Retirement Living Council Census averages, and the maths that joins them. All of it is published and cited, and the calculator runs it on your figures, not hers.
Your options for finding out
| Guess what most people do |
Pay a solicitor to review the contract |
Retirement Village Exit Fee Calculator This calculator |
|
|---|---|---|---|
| What it costs | Nothing now. Maybe six figures later |
$800 to $2,500 | $19 |
| How long it takes | an evening of worrying | one to three weeks | About four minutes |
| Every option priced side by side | |||
| Shows the working | not usually priced |
Deadlines by state
These rules are set by law, not by the village, and none of them can be negotiated. They decide how long you keep paying after you leave and how long you wait for your money.
Counted 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, then a share up to nine months. In the ACT it is 42 days, then a share that is usually nothing. In Western Australia, Tasmania and the Northern Territory there is no cap, and the charges run until the unit sells. Nobody has to tell you which one you are in. On the Census average those charges run at $624 a month. Read how the fee works.
Since 1 September 2026, Stage 1 of the Retirement Villages Amendment Act 2024 sets twelve months to pay an exit entitlement and to complete a compulsory buyback. Before that there was no deadline at all. A calculation run on the old rules is not slightly out. It is out in every line. This calculator uses the rules as at 1 October 2026.
That is Queensland's s 63, and it is the outer limit, not the usual wait. The contract date or the settlement date usually comes first. What your money could earn in the meantime is set at 4% a year, and you can change it.
What you get
The free estimate shows where you stand. The full report gives you the exact numbers and puts every option in order, on your own figures, with every step of the working shown so you can check it.
See a full sample report, free. It follows a made up household all the way through, shows the open half exactly as a customer sees it, and lets you ask the assistant two questions.
How it works
If you can read a page of a contract, you can use this. Simple mode takes six short steps and gives you a real figure. Advanced mode opens every assumption behind it, so you can change any of them.
The unit price, how long you expect to stay, 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 every option named. Free, and on your own figures. Not a generic guide, and nobody rings you.
$19 opens the full report: every option worked out and put in order, so the costly one stands out before you commit. PDF included, ready to print or share.
Eight state and territory Retirement Villages Acts, cited to the section, plus the PwC / Retirement Living Council Retirement Census for CY2024, and the CY2025 edition for how long a unit takes to sell. It covers 1,070 villages and is 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. We do the arithmetic, which is the part that was missing anyway.
If the calculator cannot properly model your situation, or something goes wrong, tell us within 14 days and we will refund you. No forms, no argument.
Included with the report
Every report comes with an assistant that has read your report: your figures, your options, your numbers. Ask it anything about the report and it answers in plain English. It is not a search box. 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.
Price
One payment. No expiry, nothing to renew, and we never keep your card. It opens the whole report, and you can run the numbers again 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.
FAQ
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 on your state, and the range runs from nothing to no limit at all. South Australia, and Victoria for a contract signed from 1 May 2026: nothing. The operator picks the charges up the day you cease to reside. An older Victorian contract can run them for up to six months. 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.
Anywhere from six months to no deadline at all, depending on the state. Queensland allows 18 months (s 63). South Australia allows 12, and so does Victoria for a contract signed from 1 May 2026. Western Australia has allowed 12 since 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 225 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.
It depends on one line in the fee clause, and on an ordinary stay that line 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.
It is an exit fee: a percentage of the unit price that builds up for every year you live there and is taken 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%, that is 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.
On average it tops out at 33% of the unit price. The Census reports that average maximum for the deferred management fee, and it builds up at typically 3% to 7% for each year you live there. On the average $651,000 unit that is a six figure sum. On most contracts you also give up the capital gain, which over an average stay can cost more than the fee itself.
Multiply the yearly rate by the years you lived there, stop at the cap, then apply that percentage to the amount your contract names. On a 5% a year fee capped at 33%, the cap is reached part way through year seven. What the percentage is charged on matters most: a fee on what the next resident pays also collects the market's growth. This calculator runs all of it on your own figures.
You pay far more for each year you stayed. On the most common contract, 5% a year capped at 33% on a $651,000 unit, a three year stay costs $114,285 against what was paid in, about $38,000 a year. The same contract over twelve years works out at about $18,000 a year. Some contracts have a settling in period, commonly 90 days, with a full or nearly full refund.
The contract does not end on the day of death. The charges usually keep running, the fee usually keeps building up, and the estate cannot be settled until the unit sells. In most states the legal clock starts when the keys are handed back, not at the death itself. Under a Victorian contract signed from 1 May 2026 the monthly charges stop on the day of death, and in Queensland the payment deadline can move to 14 days after probate is shown.
It depends mostly on how long you stay. A land lease community has no deferred management fee and no transfer duty on the land, but the site fee never stops and the home does not grow in value the way land does. A village fee is front loaded and then capped, so on a short stay a land lease community usually wins by a wide margin.
Contract review typically runs $800 to $2,500, and it can take one to three weeks. A solicitor tells you what the clauses mean. This calculator does a different job: it prices what those clauses cost at three, five, eight and twelve years, and next to staying put, downsizing and a land lease community. Arriving at a review with the numbers already done changes what the appointment is about.
Exact figures for every option. 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 fee rate, what it is charged on, how it builds up and your share of the capital gain are all locked in on the day you sign. None of them can be changed later. The exit may be years away, and by then all that is left is the maths. Four minutes now could be the best four minutes of the whole move.
No card. No sign up. Your answer on the next screen.
Four minutes. Free. No card, no sign up. If your contract turns out to be a good one, the calculator will show you that too.
Runs the fee clause, the capital gain clause and your state’s Act together at four lengths of stay, and compares the village with staying put, downsizing and a land lease community on one measure.
Figures as at -.
Your free estimate
That is how much less you would have than if you bought the same unit outright, worked out on your own figures. The full report shows where that money goes and which clauses in your contract decide it.
You can use a different email for your login, or the one on your PayPal account
And you can ask it questions. Your report comes with an optional assistant that has read it and explains any figure in plain English. It is given the amounts on your report, never your name or your email, and the conversation stays in your browser.
Your figures, saved, with a link that opens them again on any device. Forward it to a sibling or a solicitor, and come back for the full report when the decision gets close.
Your estimate now, then a few short follow ups at most. Unsubscribe in one click. We never sell your address or pass it to a village operator.
Before you sign, or before you settle
The exit fee, what it is charged on, and who keeps the capital gain sit on three different pages of a hundred page contract. Nobody runs them together for you. On the Census averages, the contract costs a resident six figures more than buying the same unit outright. The full report prices your own contract at three, five, eight and twelve years, next to every alternative, so you know the number before you sign, or before you settle.
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 if you never open 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. We record that a question was asked, never 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. They 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. We apply the published rules to the figures you enter and show you what they produce, with all the 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.
The full report opens the moment the payment clears, and it never expires.
You can use a different email for your login, or the one on your PayPal account
Retirement village exit fee examples
Every family is invented. Every figure is real: ordinary contract terms at ordinary villages, priced by the same engine that builds a paid report. Most get back less than they paid to get in. A few get back more, and two clauses you can find in minutes are the difference. Nothing below is typed in, so 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 usually costs more than the exit fee itself, and it sits on a different page of the contract.
The same contract in South Australia and in Western Australia is two different contracts. In one, the operator picks up the charges the day the keys go back. In the other, the charges have no cap at all, and until 1 September 2026 there was no deadline for being paid.
Everything below is those facts in real dollars, for thirteen different families, in every state and territory. Worked out on the current schedule.
Your 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 answer can change completely. It takes about four minutes, free.
Every way to use the same money over eight years, and what each one leaves Margaret at the end, after every fee, charge and cost of leaving. It is not a recommendation. Open Show Details on any row to see 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 exit fee (deferred management fee), which reached its 33% cap in year six. $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 scale starts at the lowest figure, not at zero, so the gaps between the options are easier to see. The village leaves Margaret $631,793 less than buying the same unit outright.
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 six because the fee reached its cap. Then it stops moving at all, frozen in dollars, while the unit keeps growing in value for somebody else.
Five per cent a year, capped at 33%, and it keeps building while the unit sells. The cap binds in year six. That is the one part of this contract working in Margaret's favour. But on a contract with no capital gain share, it is also the year her exit entitlement stops moving for good.
Who gets each part of the sale price. Margaret's share is one part, and it is not the biggest.
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 four minutes and costs nothing.
The link may have been used already. If you still get emails, contact us and we will stop them.
Retirement village guides
Written for somebody at a kitchen table with a contract they never expected 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 rules, and all of the working shown.
Reading helps. Knowing what your own contract takes back is better.
The traps
Reinstatement means putting the unit back to the condition it was in when the resident moved in, fair wear and tear excepted, measured against the condition report signed on the first day. Renovation is anything beyond that, and on most contracts it is not the resident’s to pay.
Reinstatement puts the unit back to the state it was in when the resident took it, allowing for fair wear and tear over however many years they lived there. New carpet after twelve years of ordinary use is not reinstatement; a hole in a wall is.
Renovation or refurbishment is work that makes the unit more saleable - a new kitchen, a repaint in current colours, a bathroom brought up to date. That is a capital improvement to somebody else's asset.
Contracts and conversations blur the two constantly, and the difference is usually five figures.
Section 164 of the Retirement Villages Act 1999: a former occupant who entered into their residence contract on or after its commencement "is not liable to refurbish (or pay for the cost of the refurbishment of) the premises."
Section 163 still applies to a former occupant who is not a registered interest holder: they must leave the premises as nearly as possible in the same condition, fair wear and tear excepted, and the operator may require them to bear the cost of repairs where they did not. But the operator bears the onus of substantiating the claim before the Tribunal, and the Tribunal may order it withdrawn.
Section 58 allows the operator to claim the cost of reinstatement work from the former resident. Section 59 requires it to be completed within 90 days of the vacation date, so it cannot become an open-ended reason for delay.
Section 59A(5) then deals with renovation: the cost is paid by the former resident and the operator "in the same proportion the capital gain is to be shared", and by the operator alone where the contract shares no capital gain.
So a Queensland resident on the most common contract type - no capital gain share - pays nothing towards renovation. That is one of the few places the common contract works in the resident's favour.
The resident leaves the premises reasonably clean and reinstated to their condition on entry, fair wear and tear excepted. Where the operator renovates, the cost is borne between resident and operator in the same proportion as the capital gain and loss are shared.
The condition report signed on the day of moving in. Reinstatement is measured against it, fair wear and tear is excepted from it, and without one there is nothing to measure against and the argument at the end is one nobody can win.
Most Acts require a condition report at the start of a residency and another at the end. Finding the first one is the single most useful thing an executor or a departing resident can do before any invoice arrives.
The calculator applies your state’s reinstatement rules automatically - in New South Wales that usually means nothing at all.
Sign in to see your saved reports and your full report access.
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About this calculator
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 your contract. But no single document adds up the exit fee, the capital gain clause and a real length of stay. That sum is the only one that tells you what you get back, and it is the one this calculator does.
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 the arithmetic is usually the part people are missing. For advice, a solicitor charges $800 to $2,500 to review a village contract, and a financial adviser usually charges $2,500 to $5,000. Take the eleven questions worth asking before signing with you if you book either.
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.
You must not:
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