How many years of care could we fund?

Years of care from income and wealth before the means-test threshold.

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What you enter: savings, investments and pensions available · income a year (pensions, rent) · care cost a year · inflation %.

Worked example

How many years of care could we fund — an example

Inputs

Savings, investments and pensions available: £400,000
Income a year (pensions, rent): £25,000
Care cost a year: £75,000
Inflation %: 2.5%

Result

Shortfall a year after income: £50,000
Years of care fundable: 7
Means-test threshold: £23,250
Left when the threshold is reached: £41,273

In England the council pays only once capital is below £23,250; the home is often disregarded while a partner lives in it. Deprivation-of-assets rules apply to gifts made to avoid fees.

How it is worked out. Each year the gap between care cost and income (both rising with inflation) is paid from wealth growing at 2%, until wealth would fall below the threshold.

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Not advice. Money Horizon is a planning indicator built on simplified rules. It does not know your full circumstances, cannot replace a regulated adviser, and its figures should not be relied on for any decision. It is not financial advice. Nothing you enter leaves your browser. Calculators use the 2026-27 rules; figures are estimates.