Go beyond the facility quote: compare RAD vs DAP options and yearly costs in 5 mins.
Facilities usually show the RAD and DAP. Folra also compares payment options and shows time-based yearly cost scenarios, so your family can ask better questions before signing.
Start the free calculator
Our calculator gives you more than the usual room quote.
Facilities usually give you two numbers: RAD and DAP. Folra turns those numbers into a quick decision view.
Compare my optionsFolra decision view
Compare options, then see the yearly cost
More useful before signing
- Compares daily, part upfront, and full upfront options
- Shows yearly cost scenarios across your expected stay
- Gives an immediate result with no email required
- Turns the numbers into clearer family questions
Facility quote
Gives the price, but not the decision
Useful, but incomplete
- Does not compare your payment paths
- Does not help your family decide what to ask next
You have your numbers. Now the harder questions begin.
Questions families often ask next
What if my siblings see the same numbers and reach different conclusions?
What should we ask the facility before anyone feels pressured to sign?
How much cash should we keep aside so Mum or Dad still has flexibility?
What if the explanation sounds right, but we still do not fully understand it?
Folra Toolkit
RAD vs DAP Decision Plan
Your options
Family action plan
Email templates
What your family gets after the calculator.
There's more to this decision than the price. Folra Before You Sign Pack gives your family the questions, checklists, and prompts to work through what matters before signing — without needing to figure it out from scratch.
Personalised payment summary
A clear RAD vs DAP snapshot your family can read before the meeting.
Family alignment toolkit
Worksheets for assumptions, concerns, sibling questions, and next steps.
Facility conversation scripts
Plain-English questions to ask before agreeing to a payment structure.
Pre-signing checklists
Red flags, adviser prep, and a final sign-off plan before documents are signed.
Folra Before You Sign Pack
$49 AUD
FAQ
Common questions about RAD, DAP, and Folra.
Short answers for families trying to understand aged-care accommodation payments without getting buried in technical language.
A Refundable Accommodation Deposit is a lump sum paid to an aged care home for accommodation. It is generally refundable when the resident leaves care, subject to the agreement and any permitted deductions.
A Daily Accommodation Payment is a daily payment charged instead of paying all of the RAD upfront. It is based on the unpaid RAD amount and the current MPIR, and it is not refunded.
The Maximum Permissible Interest Rate is the government-set rate used to convert unpaid RAD amounts into daily accommodation payments. It changes over time, so families should confirm the current rate before relying on any estimate.
The calculator is designed to make the main trade-offs easier to see. It depends on the numbers you enter and does not replace a full assessment of income, assets, fees, facility terms, or personal circumstances.
No. Folra provides educational tools and plain-English prompts to help families prepare better questions. It does not provide financial, legal, tax, or aged care advice.
No. The free calculator is intended to show results immediately. If email capture is added later, it should remain optional on the results page.
Folra does not offer a separate change-of-mind guarantee for a downloaded digital pack. Your rights under the Australian Consumer Law still apply if the pack has a problem, is not delivered, or is not as described. Please contact hello@folra.com.au for support.
Families should consider independent financial and legal advice before choosing how to pay, selling assets, relying on pension assumptions, or signing an accommodation agreement.