Care Cost Savings Calculator
Cost of Care
Care costs can feel overwhelming, but understanding them doesn’t have to be. The cost of care can vary depending on the type of care, your location, and your personal needs.
- Home care can range from a 15-minute visit to full-time support, with standard hourly rates starting around £35.
- Live-in care typically costs £695–£1,300 per week for one person, or around £1,400 per week for couples.
- Care homes average £900–£1,500 per week for a standard room, often more for couples or specialist care—but they don’t offer the same one-to-one attention or let you stay in your own home.
Costs are also influenced by the level of support required. Specialist care for conditions like dementia, Alzheimer’s, stroke, brain or spinal injuries, or palliative needs is factored into the price to ensure personalised support.
Many families find live-in care delivers excellent value, combining dedicated one-to-one support with the comfort and familiarity of home.
Our care advisors are here to explain the options, guide you through Local Authority assessments, and point you to independent advice if needed, so you’re never left to navigate it alone.
Care Funding
We know that the cost of care can seem daunting. But you may not need to cover the full cost yourself. Depending on your circumstances, you could qualify for financial support through local authorities, NHS Continuing Healthcare, or benefits such as Attendance Allowance, Personal Independence Payment (PIP), or Carer’s Allowance.
Local authorities can carry out a care needs assessment and a financial assessment, taking into account your savings, property, and other assets to determine what support you may be entitled to.
If your assets are below £23,250, you could qualify for some support, and if they are under £14,250, you may receive maximum support. In some cases, a family member or friend may also pay a top-up fee if a care home or service costs more than your personal budget.
Self-funding gives you complete choice over the type of care you receive, and our team is here to help you explore all available options, understand what you may be entitled to, and guide you every step of the way.
Financial advice disclaimer
The information above summarises how care is often financed. Agincare is not authorised to provide investment or other financial advice and nothing on this page should be construed as such. We recommend you obtain independent financial advice from an adviser registered with the Financial Services Authority.
Assets included in the calculation
Assets included in the calculation are bank and building society accounts, stocks, shares, and most investment products, national savings and premium bonds, income from the Government, and any personal or occupational pension plans. Property and land (less any mortgage) are also considered, and jointly held assets are usually divided in two to calculate an individual’s share, regardless of who contributed the most.
Assets not included in the calculation
Assets that are not included in the calculation are; property that continues to be lived in by yourself, a partner or dependent. So for live-in care funding, the value of your property should be excluded because you will continue to live in it. Other assets not included are; value of life policies, some compensation payment held in trust or by the courts and some investment bonds with a life assurance element (check with your provider).
