What financial information will I need to provide?

We ask for approximate figures only — no bank logins or account numbers are needed. You'll need a rough idea of: total savings and investments (approximate is fine), property value (if applicable), and weekly income (pensions, benefits, other). The assessment takes about 4 minutes. All data is encrypted and used only for your eligibility calculation — we never share it with care homes or third parties.

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 this compared to a professional advisor?

We use the same NHS Decision Support Tool and Local Authority financial assessment frameworks that professional advisors use. When tested against 1,200 actual NHS care funding decisions, our assessment matched the official outcome in 9 out of 10 cases. A professional care funding advisor typically charges £200–500 for the same analysis. Our report costs £69, covers all 152 council areas, and is delivered in minutes — not weeks. We're independent: no care home or financial advisor pays us, so the guidance is always in your interest.

What if I'm unlikely to qualify for funding?

The report still clarifies your financial position — including often-overlooked options like Deferred Payment Agreements and property protection strategies. Many families tell us that simply knowing where they stand helped them plan with confidence. And if you don't find the report helpful, we'll refund you in full within 30 days.

Is my information secure?

We use bank-level 256-bit encryption for all data. Your information is automatically deleted after we generate your report. We're fully GDPR compliant and all data processing happens in the UK only.

30-day money-back guarantee. If the report doesn't help you understand your funding position, email us and we'll refund your payment — without needing to give a reason.

What's the difference between NHS care funding and council funding?

NHS Continuing Healthcare (CHC) is NHS-funded care for people with significant ongoing health needs. If eligible, the NHS pays the full cost of care without a financial assessment. Local Authority funding is means-tested support where the council contributes based on your income and savings. Our assessment checks eligibility for both.

Does this replace a formal NHS assessment?

No. This is guidance to help you understand your likely eligibility and prepare for the formal process. Final decisions on NHS care funding are made by your local Integrated Care Board through their own multidisciplinary assessment. Our report helps you know what to expect and what evidence to gather.

Does this cover my area?

Yes. The assessment covers all 152 Local Authority areas in England. While NHS care funding criteria are consistent nationally, council financial assessments can vary, and our assessment accounts for these regional differences. Support for Scotland, Wales, and Northern Ireland is coming soon.

Can NHS care funding be backdated?

NHS Continuing Healthcare funding cannot be backdated, so checking your eligibility early gives your family more options. The sooner you understand your position, the sooner you can begin the formal application process and avoid missing out on funding you may be entitled to.

April 2026 update: Some local authority rates have been updated for 2026/27. Check how this affects your situation.

Based on 1,200 real funding decisions

Free Funding Eligibility Calculator — England Only

Your care funding options — calculated to the penny

One free check 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

Independent — funded by families

Already paying for care yourself? You may qualify for funding you haven’t been told about.

Check my eligibility — free

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

256-bit encryption

Instant delivery

Delivered to your inbox within minutes

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

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

2026-27 rulesUpdated with the latest government guidance and current thresholds.

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

Funding Guide

“Many families pay full care home fees without realising they may qualify for NHS Continuing Healthcare. The Funding Guide identifies potential eligibility and explains how to apply — including what evidence to prepare.”

— Based on report methodology

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

A clear picture of your funding — in 10 minutes

Three things that affect how much you pay

Three things that could change how you pay for care

Every week without a claim is money lost

NHS funding covers care in full — but most never apply

Your savings may be more protected than you think

Answer a few questions. We do the rest.

Health needs (3 minutes)

A few financial details (4 minutes)

Get your results

See exactly what your £69 report covers

Funding Pathways

What We Calculate

Free eligibility check — or the complete picture

How your options compare

How Families Have Used This Assessment

Less than half a day of care home fees

Free Check

Funding Report

Funding Action Pack

What makes the Action Pack different?

Questions about the assessment

What financial information will I need to provide?

Is the assessment really free to start?

How accurate is this compared to a professional advisor?

What if I'm unlikely to qualify for funding?

Is my information secure?

Can I get a refund?

What's the difference between NHS care funding and council funding?

Does this replace a formal NHS assessment?

Does this cover my area?

Can NHS care funding be backdated?

Three things that affect how much you pay

Three things that could change how you pay for care

Every week without a claim is money lost

NHS funding covers care in full — but most never apply

Your savings may be more protected than you think

Answer a few questions. We do the rest.

Health needs (3 minutes)

A few financial details (4 minutes)

Get your results

See exactly what your £69 report covers

Funding Pathways

What We Calculate

Free eligibility check — or the complete picture

How your options compare

How Families Have Used This Assessment

Questions about the assessment

What financial information will I need to provide?

Is the assessment really free to start?

How accurate is this compared to a professional advisor?

What if I'm unlikely to qualify for funding?

Is my information secure?

Can I get a refund?

What's the difference between NHS care funding and council funding?

Does this replace a formal NHS assessment?

Does this cover my area?

Can NHS care funding be backdated?

A clear picture of your funding — in 10 minutes

Less than half a day of care home fees

Free Check

Funding Report

Funding Action Pack

What makes the Action Pack different?