What a financial assessment is
If a needs assessment finds you have eligible care needs, the council will usually carry out a financial assessment (sometimes called a means test) to work out how much, if anything, you may need to contribute towards the cost of your care.
What's taken into account
The council looks at your income, savings and capital against national rules. These rules and thresholds change from time to time, so always check current figures directly with your council or GOV.UK rather than relying on past figures.
Your home and care at home
If you are receiving care in your own home, the value of your home is not usually included in the financial assessment in the way it might be if you moved into a care home — but individual circumstances vary, so ask the council to explain how it applies to you.
Getting the right advice
Because rules can be complex and change over time, it's worth getting independent financial advice, especially for longer-term planning.
Common questions
Do I have to have a financial assessment?
You can decline one, but then the council may ask you to pay the full cost rather than working out a contribution based on your circumstances.
Will the figures on this page tell me what I'll pay?
No — we deliberately do not quote thresholds or rates here, as they change. Please check with your local council or GOV.UK for current figures.
Official sources & further reading
Related topics
Local authority needs assessments
How a council needs assessment works, and who can ask for one.
Personal budgets
An amount identified by the council to meet your eligible care needs, and the ways you can use it.
Direct payments
Receiving your personal budget as a payment so you can arrange your own care and support.