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The funding position under the nation’s charging rules — and the NHS and statutory routes that are not means-tested at all. Every figure cites its source instrument.
It checks the statutory funding position — capital and income against the charging limits for the year you select (default 2026-27) — and the non-means-tested routes. Advanced care modelling (a full means-test breakdown, funding-option comparison and capital spend-down projection) is coming soon and is not part of this check.
The year the placement is charged in. Capital limits move between years — Scotland’s upper limit rose from £35,500 to £36,750 on 6 April 2026 — so a placement that started before a change is assessed on the limits then in force.
Cash, bank/building-society balances, stocks, ISAs and other investments. Exclude the home (handled below) and any pension pot (see the pension question).
Jointly held with a partner? Local-authority practice varies, but capital is normally assessed on the client’s own share, not the joint total — enter their share only.
Include state pension, any private/occupational pension or annuity in payment, and drawdown pension income actually being taken (Care Act 2014; CSCAR Regs 2014).
A screening signpost, not an NHS assessment — four prompts from the continuing-healthcare primary-health-need indicators.
For planning and illustration purposes only · This tool does not constitute financial or tax advice.
Long-term care funding in the UK is means-tested — but the rules differ by nation, and several of the most valuable routes are not means-tested at all. This free checker applies the current capital limits, tariff income and personal-expenses rules for England, Scotland, Wales and Northern Ireland to work out whether someone is a self-funder, in the tariff band, or supported by the local authority.
It then surfaces the entitlements that are often missed: NHS Continuing Healthcare (fully funded and not means-tested), NHS-funded nursing care / the registered nursing care contribution, Scotland’s free personal and nursing care, Attendance Allowance / Pension Age Disability Payment, and s.117 aftercare — with a caution where assets have recently been given away. Every figure cites its source instrument and the result is available as a PDF.
It is a deterministic position-finder, not financial or care advice, and does not constitute a recommendation. Where advice is needed, refer to a SOLLA-accredited later-life adviser. Built by ParaplanAI for advisers and paraplanners.
New to the rules? Read the guide to paying for care — the means test, the capital limits by nation, and the routes that are not means-tested.
Yes — it is free and needs no sign-up. Enter the situation and it states the funding position under that UK nation’s care-charging rules, plus the non-means-tested NHS and statutory routes, and produces a PDF you can keep.
England, Scotland, Wales and Northern Ireland — each has materially different capital limits, tariff income, free personal/nursing care and NHS-funded nursing contributions, and the checker applies the right rules per nation.
No. It is a position-finder, not advice — facts and signposts only. It flags the routes that are often missed (NHS continuing healthcare, funded nursing care, Attendance Allowance, s.117 aftercare) so they can be checked. For advice, speak to a SOLLA-accredited later-life adviser.