Care home funding · 2026/27 rules
Long-Term Care Cost Calculator
Estimate what a care home stay would cost, how long savings and property would last, and when the council's means test would start to help — covering all four UK nations.
This calculator provides an estimate only — not financial or legal advice.
- Results are illustrative and based on 2026/27 means-test thresholds for England, Scotland, Wales and Northern Ireland. Rules differ between nations and change over time.
- The calculator does not account for NHS Continuing Healthcare, deferred payment agreements, deprivation of assets rules, or the full complexity of property disregards.
- Actual care costs, fee increases and investment returns will differ from any projection. Do not rely on this tool for financial planning decisions.
- Specialist advice from a qualified financial adviser and a solicitor is essential before making any decisions about care funding, property or estate planning.
Plan ahead
Concerned about care costs and your estate?
We can help you understand the options for protecting assets, planning for care costs and ensuring your estate is structured to reflect your wishes. Arrange a no-obligation consultation.