Is the assessment really free to start?

Yes. Complete the 10-minute assessment and see your eligibility indication at no cost. The complete report with detailed analysis is £69.

How accurate is the funding assessment?

Our assessment uses the official NHS Decision Support Tool and Local Authority means test frameworks. When tested against 1,200 actual CHC decisions, we matched the official outcome in approximately 90% of cases.

What funding types does the Funding Guide cover?

The Funding Guide assesses eligibility for NHS Continuing Healthcare (CHC), Local Authority funding, and Deferred Payment Agreements (DPA). It covers all 152 Local Authority areas in England.

What if I do not qualify for funding?

Even if you are unlikely to qualify for NHS or council funding, the report still clarifies your financial position, including often-overlooked options like Deferred Payment Agreements and property protection strategies.

Is there a money-back guarantee?

Yes, we offer a 30-day money-back guarantee. If you do not find the report helpful, contact us for a full refund with no questions asked.

What is the Funding Action Pack?

The Action Pack (£199) includes everything in the £69 report plus personalised template letters to send to your GP and ICB, an evidence preparation checklist for each care domain, an 8-week action plan with deadlines, and your area's NHS statistics. It is designed for families ready to take action on their funding case.

Do I need the £69 report before buying the Action Pack?

No. You can buy the Action Pack directly after completing the free assessment. It includes everything in the £69 report plus the additional action tools. You only complete the assessment once.

Why is the Action Pack worth £199 when the report is £69?

The £69 report tells you where you stand — your eligibility, your numbers, your options. The £199 Action Pack tells you exactly what to do about it. You get personalised letters addressed to your GP and local NHS team, ready to sign and send. You get an evidence checklist showing precisely which medical records to gather for each of the 12 care domains. And you get a week-by-week plan with deadlines, so you know what to do on Monday morning, not just in theory. Families who use a CHC advocacy service pay £3,000–£4,000 for similar preparation. The Action Pack provides the same structured approach for a fraction of the cost.

April 2026 update: UK funding thresholds and financial assessment rules change annually. Check your eligibility now to understand your options before the new financial year.

Based on 1,200 real funding decisions

Free Funding Eligibility Calculator — England Only

Your care funding options — calculated to the penny

One free assessment covers NHS Continuing Healthcare, council funding, and Deferred Payment Agreements. Know exactly where your family stands — validated against 1,200 real NHS decisions.

About 10 minutes

Tested against 1,200 real cases

30-day money-back guarantee

Check my eligibility — free

Free to start. Detailed report available for £69 if you want the full picture.

Good to know: NHS care funding cannot be backdated, so checking your eligibility early gives your family more options.

9 in 10 accurateTested against 1,200 real funding decisions.

Your council checkedYour council's specific rules, thresholds, and contact details are checked.

2025-26 rulesUpdated with the latest government guidance and current thresholds.

35+ protections checkedIncome and savings protections most families don't know about.

This is an information service, not financial or legal advice. Always consult a qualified adviser before making financial decisions about care funding.

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Instant delivery

Delivered to your inbox within minutes

What most families don't know

Care home funding is more complex than most people realise. These three facts change how families approach paying for care.

£50,000/year

The NHS can cover the full cost of residential care. Most families don’t know this funding exists.

£23,250

The savings threshold above which you pay for care yourself. It hasn’t changed since 2010.

152 councils

Every council has different rules and rates. We check yours specifically.

What most families don't know

Three things that could change how you pay for care

Care funding involves several different frameworks and criteria. Our assessment helps clarify which may apply to your situation.

Every week without a claim is money lost

NHS care funding cannot be backdated. The sooner you check, the sooner you can claim — or plan properly if you don't qualify.

NHS funding covers care in full — but most never apply

If your relative has significant health needs, the NHS may cover the full cost of residential care. Worth up to £50,000 a year. Fewer than 1 in 4 eligible families ever claim it.

Your savings may be more protected than you think

There are 35+ rules that can protect your home, savings, and income from care costs. Most families — and many advisers — don't check them all.

Funding Guide

“We’d been paying the full care home fees for 8 months because nobody told us about NHS Continuing Healthcare. The Funding Guide showed Mum likely qualified based on her care needs. We applied, it was approved, and NHS England reimbursed us from the date of our application.”

— Catherine L., West Midlands (March 2026)

How it works

Three Sections—Approximately 10 Minutes

Health needs (3 minutes)

Simple questions about your relative's day-to-day health needs — mobility, memory, continence, nutrition, and behaviour — to check whether NHS funding may apply.

A few financial details (4 minutes)

We ask for rough figures — approximate savings and whether you own a property. No bank logins, no account numbers, no exact amounts needed. Everything encrypted and never shared.

Approximate figures only — no bank logins or account numbers. Your data is encrypted and never shared.

Get your results

See your eligibility indication for NHS funding, council support, and Deferred Payment Agreements straight away. The complete report (£69) adds detailed analysis and a personalised action plan.

Ready to act on your results? The Action Pack includes ready-to-send letters and a week-by-week plan.

Report Preview

See exactly what your £69 report covers

Choose a scenario to explore a sample report. Every calculation is personalised to your finances and care needs.

Care Funding Report

Margaret, Buckinghamshire

Potential Annual Savings

£21,300/year

via Council Funding · Medium confidence

Funding Pathways

NHS Care Funding

Borderline

Further assessment recommended

Council Funding

Contributes £410/week

Below upper threshold

Deferred Payment (avoid selling home)

Available

Up to £185,000

What We Calculate

NHS care funding eligibility across 12 care domains
Local Authority financial assessment calculation
Deferred Payment Agreement (avoid selling your home)
5-year financial projections
Attendance Allowance eligibility
Personalised action plan with contacts

Check my eligibility — free

What you receive

Free eligibility check — or the complete picture

Free

£0

Report

£69

Action Pack

£199

CHC eligibility assessment

Indication

Full analysis

Council means test

Summary

To the penny

DPA guidance

Eligible / not

Full breakdown

10-year financial projections

AI expert analysis

Enhanced

PDF export

Personalised template letters

6–8 letters

Evidence preparation checklist

12 domains

Week-by-week action plan

8 weeks

Evidence impact simulator

NHS area statistics & ICB contacts

Retrospective review eligibility

Report access

7 days

90 days

365 days

Start Free

Get Report

Action Pack

How your options compare

Three ways to check your funding eligibility — and what each involves

DIY Research

Care Funding Advisor

Our Assessment

Cost

Free

£200–500

£69

Time

20+ hours

2–4 week wait

10 minutes

NHS funding check

Read 80-page framework

Depends on advisor

Tested against 1,200 real decisions

Financial assessment

Manual calculation

Included

Automated, 35+ protections

DPA check

Separate research

Sometimes included

Included

Coverage

Partial

Varies

All 152 councils in England

Guarantee

—

Varies

30-day money-back

Total cost

Free

20+ hours of your time

£200–500

Plus waiting time

£69

One-time

What families say

How Families Have Used This Assessment

I use this with clients regularly. The council database is comprehensive, and the accuracy has matched official assessments in most cases I've compared. A useful tool for initial guidance.

Recommends to clients as pre-assessment

marketing:funding.testimonials.testimonial1.name

James Richardson

Independent Care Advisor

The assessment showed we might be eligible for NHS care funding. We followed up with our ICB as the report suggested, and after the formal assessment process, we received a positive outcome. The report helped us understand what evidence to prepare.

Prepared evidence that supported a positive NHS funding outcome

marketing:funding.testimonials.testimonial2.name

Margaret Davies

Birmingham

I'd spent weeks trying to understand the government guidance. This gave me a clear summary of our likely position in 10 minutes. The next steps section was particularly helpful.

Replaced 3 weeks of research with a 10-minute assessment

marketing:funding.testimonials.testimonial3.name

Susan Roberts

Leeds

Choose your level of support

Less than half a day of care home fees

One assessment covers all three options. Start free, upgrade if you need more.

Free Assessment

£0no card required

See where you stand. Eligibility indication for NHS funding, council support, and Deferred Payment.

CHC eligibility indication
Council funding likelihood
Potential savings estimate
7-day access
—Detailed analysis & projections
—Personalised action plan
—Ready-to-send letters
—Evidence preparation toolkit

Start Free Assessment

Funding Report

£69one-time payment

The complete picture. Detailed analysis, 10-year projections, and a step-by-step plan.

Everything in Free, plus:
Full CHC analysis with domain breakdown
Means test calculation to the penny
10-year financial projections
AI-powered expert analysis
PDF export to share with family
90-day access
—Ready-to-send letters

Get Full Report — £69

Most Complete

Funding Action Pack

£199one-time payment

Everything you need to act. Letters, evidence checklists, and a week-by-week campaign plan.

Everything in Funding Report, plus:
6–8 personalised letters to GP, ICB, and council
Evidence checklist for each care domain
8-week action plan with deadlines
Interactive evidence simulator
Your area’s NHS statistics and ICB contacts
Retrospective review eligibility check
365-day access

Get Action Pack — £199

What makes the Action Pack different?

Everything a care funding specialist would prepare — for less than one hour of a solicitor's time.

6–8 personalised letters — ready to sign and send

Evidence checklist — exactly which records to gather

8-week action plan — step-by-step with deadlines

Sample: Letter to NHS Integrated Care Board

Dear [ICB Name],

I am writing to formally request a Continuing Healthcare assessment for [Patient Name] under the National Framework for NHS Continuing Healthcare and NHS-funded Nursing Care…

Each letter is personalised with your family's care needs, medical evidence, and your local ICB's submission requirements.

Your 8-week action plan

W1Gather medical recordschecklist provided

W2Request GP summary lettertemplate provided

W3Submit CHC checklist to ICBletter provided

W4Chase and confirm receiptfollow-up template

W5–6Prepare for assessmentevidence simulator

W7Assessment meeting prepbriefing notes

W8Decision follow-upappeal template if needed

A private care funding advocate charges £3,000–£4,000. The Action Pack provides the same structured preparation — letters, evidence, timeline — for £199.

The difference: ours is delivered instantly. Theirs takes 4–6 weeks to start.

30-day money-back guarantee

This is an information service, not financial or legal advice. Always consult a qualified adviser before making financial decisions about care funding.

Not sure which care home yet?

Start with a free shortlist — 3 homes matched to your needs in 10 minutes.

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Common questions

Questions about the assessment

Information about how the funding assessment works

Important: This is an information service, not financial or legal advice. Formal eligibility is determined by your local authority or NHS Integrated Care Board. Always consult a qualified financial adviser before making decisions about care funding. RightCareHome is not regulated by the Financial Conduct Authority.

A clear picture of your funding — in 10 minutes

A clear picture of your funding options. Free to start, with a detailed report available if you want the full analysis.

9 in 10 cases matched in validation
Delivered to your inbox within minutes
30-day money-back guarantee

Check my eligibility — free

Free eligibility check. Complete report: £69 one-time.

This is an information service, not financial or legal advice. Always consult a qualified adviser before making financial decisions about care funding.

Your care funding options — calculated to the penny

What most families don't know