He delayed the sentencing so the woman could look into remortgaging her home or other avenues to raise funds quickly.
To enable that process to run more smoothly, he suppressed the defendant's name.
The victim, who now lives in a rest-home, was living alone and had required home help after undergoing surgery when she met the woman in 2009.
While their relationship began as paid employment, the pair continued an informal arrangement.
The victim had been managing her own financial affairs until the middle of 2014, when she suffered a fall that landed her in hospital.
She spent three months in respite care before returning home in August that year.
The defendant continued her visits and helped with tasks such as ''grocery shopping, mail, paying invoices, tidying her bank statements and bills, and gardening'', court documents said.
The elderly woman entrusted her with her bank cards.
The offending started in May 2016.
While shopping, the defendant would splurge on products for herself too.
Over seven months she racked up a bill of $3443 on groceries, household goods, clothing, skin-care products and furniture, which she organised to be delivered to her home.
She would swipe her own loyalty card to collect points for the transactions, the court heard.
The bulk of the fraud though came from the defendant using her victim's bank card at ATMs.
By May 2017, she had taken $19,600 from the woman's accounts.
She was captured on CCTV on numerous occasions making cash withdrawals, police said.
The defendant was eventually rumbled when a family member of the victim became suspicious and noticed a power bill had not been paid.
A look at the bank statements revealed the depth of the caregiver's deceit.
Forty-four fraudulent transactions; $23,043 gone.
Crown prosecutor Catherine Ure said the woman's offending was a "gross breach of trust".
"The pattern and period of time reflect significant premeditation," she said.
Judge Turner said the victim (with family members) and the defendant had a restorative justice conference, but the sincerity of her remorse was questioned.
The sentencing hearing has not yet been scheduled.