Care Funding Guide

Understand your funding options

Answer a few quick questions to generate a personalized summary of the care funding rules, thresholds, and NHS benefits that currently apply to your situation.

Before we begin

We know social care funding in the UK can be overwhelming. We built this dynamic tool to cut through the noise and give you a simple summary of where you stand.

Important Notice: This tool provides general guidance based on official 2026/2027 NHS and Local Authority frameworks. It is not formal financial or legal advice. You should always request an official financial assessment from your local council before making care decisions.

Where does the person needing care live?

Funding thresholds vary depending on which nation you live in.

What type of support are you looking for?

This determines which benefits apply and how property values are treated.

What is the primary reason for needing care?

This helps us check if you are eligible for 100% NHS funding.

Does the person needing care own their home?

We need to know this to determine if the property value is counted as an asset.

Who will continue living in the property?

Because they are moving into a care home, we must check the "Property Disregard" rules.

Roughly calculate total savings and assets

Include cash, savings, stocks, and premium bonds.

Your Funding Summary

Based on your specific answers, here is how the UK adult social care funding rules apply to you for 2026/2027.

Want help finding the right care?

Our Funding Guide is completely free. If you also want help finding local, vetted care homes or home-care providers that match your needs, our Concierge team can help.

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Data accurate for England (2026/2027). The heavily publicized "£86,000 cap on care costs" was scrapped and does not exist.

Official Resources: NHS Self-Funding Guide | Age UK Paying for Care