Home Care Funding Calculator

Care Funding Calculator

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Are you eligible for care funding? Get an immediate free estimation now

Annabel James
Written by  Annabel James
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Care funding in the UK is not straightforward. There are a lot of different ways that someone can get support funding their care, which can differ from region to region. Our simple Care Funding Calculator will give you an immediate idea if you might be eligible for funding from the state, and your options if not. 

The broad rule, in England anyway, is that if you own assets and savings above £23,250 (as of 25/26) your local authority will not help towards the cost of your care. Whether or not your house is included in this calculation depends on a couple of things like the type of care you’re looking for and whether or not someone will be living in the house while you are receiving care. 

However, there are other options through which you can get support in paying for care – not all of them means-tested and so are not gated by your value of assets but by need. 

But the first step before looking into other care funding options like Attendence Allowance and NHS Continuing Healthcare is to complete our quick Care Funding Checker below that doesn’t require or hold any personal details and is completely free. It will only take a minute or two to complete and will give you an indication as to whether you might be eligible and the information about care funding in your region.

Whatever answer you get, you can seek further advice and guidance directly with Annabel, Age Space founder, by completing a quick form, after which Annabel will get in touch to offer free and independent advice based on your specific situation. 

Get further support here

Care Funding Calculator | Age Space

Care Funding Calculator

Where is the person looking for care?
Funding rules differ across the UK nations.
What type of care are you looking for?
Not sure? Choose the option that sounds closest.
Does the person own their home?
For care home placements, a property can be counted as an asset — but there are important exemptions.
What is the property worth?
The council uses market value minus 10% for selling costs, minus any outstanding mortgage.
Approximate current market value A rough estimate is fine — what it might sell for today.
£
Outstanding mortgage (enter 0 if none)
£
ℹ️ You don’t have to sell the home.
  • 12-week disregard: For the first 12 weeks in a care home, the property value is ignored entirely.
  • Deferred Payment Agreement (DPA): The council can cover fees as a loan, repaid from the property at any time — including after the person passes away.
Does anyone else live in the home?
Certain residents mean the home is excluded from the financial assessment entirely.
If a spouse, civil partner, relative aged 60+, incapacitated relative, or dependent child lives there — the home is excluded.
Savings & investments
Include bank accounts, ISAs, stocks and shares, and cash savings.
Does the person have any savings or investments?
Other assets & property
Anything else that could count in the financial assessment.
Does the person have any other assets or additional properties? For example: a second home, buy-to-let, land, or valuable possessions.
Regular income
Income is assessed separately and affects contributions even when capital is low.
Does the person have any regular income? Including state pension, private pension, rental income, or benefits such as Attendance Allowance or PIP.
Check your figures
Review before seeing your results — go back to change anything.