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Will I have to pay for my own care?
The rules on care funding are confusing by design. Enter your savings and — if you’re moving into a care home — your property value, and we’ll show, in plain English, whether the council should help and what else you might be able to claim.
Care funding & means-test calculator
Enter a few figures to see where you’re likely to stand in the care means test — whether you’d fund your own care, get help from the council, and which extra support you might be able to claim. It’s a plain-English guide, not a benefits decision, and nothing you type is saved or sent anywhere.
Likely to fund your own care
Your assessed capital of £230,000 is above the upper limit of £23,250 in England, so you’d normally be expected to pay the full cost of care until your capital falls to that level.
Likely eligible for Attendance Allowance
Attendance Allowance is not means-tested — your savings don’t matter. At State Pension age and needing regular help, you can usually claim about £74–£110/week (lower or higher rate). Confirm the current rate at gov.uk/attendance-allowance.
This is general information, not financial, benefits or legal advice, and not a decision by any council or the NHS. It applies published England thresholds (2025/26) to the figures you entered; your actual assessment depends on your full circumstances, income and the rules that apply on the day. Always ask your local council for a financial assessment, and consider free advice from Bart or a specialist such as Age UK or Citizens Advice.
What it checks
Three things every family should know
The means test
In England, capital above £23,250 means you fund your own care; below £14,250 your savings are ignored. In between, you contribute a “tariff income”.
Your home isn’t always counted
For care at home it’s never counted. For a care home it’s disregarded if a partner or qualifying relative still lives there — and for the first 12 weeks either way.
Extra help isn’t means-tested
Attendance Allowance and NHS Continuing Healthcare don’t look at your savings at all. Many families miss out simply because no one told them to ask.
Want to talk it through? Ask Bart, our AI concierge.