A clearer plan for care

Carepilot — how long care-home savings last, and when the council pays (England 2026/27)

See the weeks ahead. Compare selling a home with deferred payments, find support to claim, and leave with a dated plan.

01 · Care home

Plan as of

Admission date

Weekly fee (£)

Council weekly rate, net of FNC (£)

Nursing care needed

Fee includes FNC

Nursing contribution band

02 · Money

Savings at admission (£)

Weekly income, excluding AA (£)

Attendance Allowance claimed

If unclaimed, likely AA rate

Use the savings and income at admission, even if the move has already happened.

03 · Home

Owns a home

Who still lives there?

Home value (£)

Mortgage outstanding (£)

04 · Plan

Paths to model

Weeks to sell after disregard

Sale costs (%)

DPA annual interest (%)

DPA setup fee (£)

Weeks to project

Use figures only. No names or addresses. Creating a plan saves a report for 180 days; anyone with its link can read it.

A week-by-week estimate, with fixed 2026/27 rates. Council assessments decide entitlement. Check the figures and assumptions with the people arranging care.