The first step is to ask for a free care assessment from the social services department of your local authority.

Find your local council



What to expect from the financial assessment

Once your local authority has agreed your care needs, they’ll look into your finances to work out how much you should pay towards the cost. It could mean you’ll need to pay for none, part or all of your care, depending on your income, savings and property you own.

Only the finances of the person who needs care should be considered in the financial assessment.

Your savings, assets, and investments

One of the first questions you’ll be asked is whether you have more than £23,250 in capital assets. If the answer is yes, you’ll be considered a ‘self-funder’ and you’ll need to cover the full cost of your care. You can read more about your options on our ways to pay for care page.

FInd out more

The financial assessment will look at your income and assets, including:

  • Savings, including ISAs
  • Stocks and shares
  • Second homes or buy-to-let properties
  • Investments with a ‘cash-in’ value
  • Your property if you’re moving to a care home.

If you have savings below £23,250 Then you may be able to get help to pay for care from your local authority.

Find out more

For more information on paying for care, use our Care Costs Calculator.



Capital limits for local authority support in UK countries

‘Capital’ refers to the value of any savings or investments you have.


  England Wales Scotland Northern Ireland
Home Care Capital Limit £23,250 £24,000 Free when assessed as needing care by your local authority Free when assessed as needing care by your local authority
Care Home Capital Limit £23,250 £50,000 £28,500 £23,250

Find the best care

Once you've understood what type of care you need, you can start by asking friends and family for any services or care homes they would recommend, or you can search online. Discover our top tips for finding the best quality care.

Need help?

Understand your options

Knowing your options before you need them can help you get the right care at the right time.

Find local help to you

Whether you need some help at home, or want to find out more about Care Homes in your area, our tool can help.

Care Costs Calculator

If you want to find out how your care might be paid for, use our Care Costs Calculator.