Care Cost Planner: How Will We Pay for Care?

Carentis Care Cost Planner

How will we
pay for care?

Care fees can feel impossible to plan for. This free Carentis planner helps you see what could happen to your money over time — and when different sources of care funding may become relevant.

Free to use. No registration. No financial adviser required.
Plan ahead

Don’t just ask
“How much will care cost?”

The more important question is: how will the cost change over time?

Your care fees, income, savings, investments and property can interact in complicated ways. The Carentis Care Cost Planner turns those moving parts into a simple visual scenario.

It is a planning tool — not a funding decision.

Your results are an estimate based on the information you provide and the assumptions shown. They cannot determine whether you are entitled to NHS or local-authority funding. But they can help you understand the questions you need to ask next.

What it considers

A fuller picture of paying for care

Give the planner the information you know. You don’t need to have every figure before you start.

£

Your assets

Savings, investments and the value of your property, where relevant.

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Your income

Pensions, regular income and benefits such as Attendance Allowance.

⌂

Your home

Whether your property may be included in the financial assessment and possible scenarios.

◷

Time

See how your projected capital could change month by month and year by year.

Your care cost plan

Build your scenario

Work through the questions below. You can change your assumptions at any time and see how the picture changes.

CARENTIS TOOL

Total Care Cost Planner

Work through a few questions to see how care costs could affect your relative's money over time.

Guided planner
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Planning tool, not a financial assessment. This model gives an indication only. It cannot determine entitlement to local-authority funding and individual circumstances can materially change the result.
STEP 1 OF 5

Where does your relative live?

The charging rules are different in England and Wales.

STEP 2 OF 5

What is the care situation?

STEP 3 OF 5

What assets does your relative have?

Don't worry if you don't know exact figures. Estimates are fine.

STEP 4 OF 5

What income is coming in?

Enter the total regular monthly amounts.

STEP 5 OF 6

What should happen to the home?

This is one of the biggest factors in the projection.

STEP 6 OF 6

Could NHS funding be relevant?

Before relying on a social-care funding projection, it is important to know whether NHS funding may apply.

Understanding your result

What the planner can help you see

The aim isn’t to give you a single magic number. It’s to help you understand the journey.

1
How long your money may last See the projected effect of care fees and income on your capital over time.
2
When capital thresholds may become relevant Understand where the financial assessment may change as capital reduces.
3
What your property could mean Explore different assumptions around the treatment of your home.
4
Where NHS funding fits into the picture Consider the potential impact of Continuing Healthcare or NHS-funded nursing care.
5
What you should investigate next Use your results to identify the right questions and next steps.

Important: this is a planning estimate

Care funding rules are complicated and individual circumstances matter. The planner uses the assumptions displayed in the tool and is intended to help families understand possible scenarios. It does not make a financial assessment, determine eligibility for NHS Continuing Healthcare, guarantee local-authority funding, or replace advice from your local authority, NHS body or a suitably qualified professional.

Continue your care journey

More free Carentis tools

Paying for care is only one part of the picture. Carentis brings together practical tools to help families understand care, funding and their options.

Care Funding Calculator → Explore your potential care funding position. CHC Decision Challenge → Challenge and review a Continuing Healthcare decision. Care Home Hub → Understand what to look for when choosing a care home. Benefits Calculator → Check whether additional financial support may be available. Respite Care Hub → Explore options when a carer needs a break.
Carentis

Better information. Better care decisions.

When care becomes part of your family’s life, understanding the options can make an enormous difference.