Long-Term Care Cost Calculator
Care home funding · 2026/27 rules for all four UK nations

Long-Term Care Cost Calculator

Estimate what a care home stay would cost you, how long your savings and home would last, and when the council's means test would start to help.

Pre-filled with example figures for a homeowner moving into residential care in the North West.

Where and what care

sets the means-test rules
Nursing homes have a registered nurse on duty
Self-funder averages, carehome.co.uk, Sept 2025
The home's quoted rate for you
Fees have risen faster than inflation in recent years
Many stays last two to three years; plan for longer

Savings and capital

your share only
Joint accounts count as half yours
Second property, premium bonds, shares held elsewhere

Your home

counted after 12 weeks unless disregarded
50% if owned jointly with a partner
Councils allow 10% off the value for sale costs

Weekly income

used towards fees first
Full new State Pension is £241.30
Before tax
Pension Credit, annuities, rental income. Leave out Attendance Allowance, which stops when the council pays.

Public contributions

filled in for the nation you chose
Leave blank to assume the council pays the home's full fee