Care Calculator

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Step 1 of 5 – Your Details

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Is Complete

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Annual Rent Rate (%)

Admin Purposes Only, this will update the Annual Rent Rate (%) within the formula. DO NOT DELETE.

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Annual Growth Rate (%)

Admin Purposes Only, this will update the Annual Growth Rate (%) within the formula. DO NOT DELETE.

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Service Fee

Admin Purposes Only, this will update the Service Fee for CHIP within the formula. DO NOT DELETE.

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10 Years Residual Cost – CHIP – CARE AT HOME

Admin Purposes Only, this will update the Service Fee for CHIP within the formula. Refer to ID 20. DO NOT DELETE.

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7 Years Residual Cost – CHIP – CARE AT HOME

Admin Purposes Only, this will update the Service Fee for CHIP within the formula. Refer to ID 20. DO NOT DELETE.

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2 Years Residual Cost – CHIP – CARE AT HOME

Admin Purposes Only, this will update the Service Fee for CHIP within the formula. Refer to ID 20. DO NOT DELETE.

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3 Years Todays Cost – CHIP – CARE IN A CARE HOME

Admin Purposes Only, this will update the Service Fee for CHIP within the formula. Refer to ID 20. DO NOT DELETE.

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2 Years Todays Cost – CHIP – CARE IN A CARE HOME

Admin Purposes Only, this will update the Service Fee for CHIP within the formula. Refer to ID 20. DO NOT DELETE.

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1 Years Todays Cost – CHIP – CARE IN A CARE HOME

Admin Purposes Only, this will update the Service Fee for CHIP within the formula. Refer to ID 20. DO NOT DELETE.

Your Details

Enter your details to begin. You will be able to email the results to yourself and even book a FREE Consultation.

Disclaimer*

I consent

The Calculator’s results reflect standard care journeys: your own care needs and financial circumstances are unique. By using this calculator you are consenting to us contacting you in regards to your results. If you would like to refine your Calculator results to match your own care circumstances then (e mail your summary results to our team and) request a care needs assessment in your own home. This will give you ( and your family) the opportunity to consider more precisely just how much and what kind of care your really need and want and how this can be paid for. There is no charge for this home assessment visit. Please note that your information is saved as you enter it.

Name*

First Last

Email*

Phone

This is optional, but providing this will help us contact you.

What will your chosen care journey cost ?

Click on any option to reveal the gross cost in today’s prices of this care journey- not accounting for inflation of costs over time.

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, your chosen care journey, costs, and repayment period

For email and PDF

Care Location*

Care in your own Home

Care in a Care Home

Care in your own home*

10 years – 1 hour a day for eight years, then three hours a day for 18 months, then 24 hours a day for six months

7 years – 1 hour a day for five years, then three hours a day for 18 months, then 24 hours a day for six months

2 years – 1 hour a day for a year, then three hours a day for six months then 24 hours a day for six months

Care in a care home*

3 years

2 years

1 year

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Total Care Cost

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Your lifetime care costs for your chosen care journey are .

Choose your preferred way to pay this cost.

{Name (First):30.3}, your next choice below will show how much of this cost () will be paid by the Council depending on your financial circumstances and how much you or your CHIP will pay for, if you choose to purchase a CHIP.

Choose an option that best reflects your own financial circumstances and proposed living arrangements*

I will pay the balance of the care costs not paid by the Council myself

I will purchase a CHIP (Care in my home)

I and my family will pay

I will purchase a CHIP (In a care home)

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The cost that will not be met by the Council and that you/your family will have to pay is

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NOT CHIP Choice for ID 20 Live Summary

Only for merge tag variations in ID 20.

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CHIP Choice for ID 20 Live Summary

Only for merge tag variations in ID 20.

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As you have chosen a CHIP

Only for PDF and email notification, not form

⚠️ {Name (First):30.3}, why not try choosing a CHIP plan above.

ℹ️ Why CHIP?

A CHIP helps you three ways:

It unlocks much more funding from your Council – around £1,000 a week in a care home, or a further £1,500 a month if care is provided at home.
The CHIP, not you, pays the remaining balance owed () for lifetime care.
It can reduce your beneficiaries’ Inheritance Tax liability.

✅ Great news {Name (First):30.3}, this means that you will unlock much more funds for care from your Council AND the balance () will be paid by your CHIP and NOT BY YOU.

That’s right, the CHIP will pay the entire balance, that’s why you see

Debug:
ID 19 (raw): []
ID 15 (raw): []
ID 20 (calculated): []

How long will it take for rent and house value to repay the CHIP Plan?

Find out by choosing the value band closest to your own house.

Choose the house value band

£200,000

£300,000

£400,000

£500,000

£600,000

£800,000

£1,000,000

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Based on your choices, a Care and Home Inheritance Plan would repay to your estate within the period shown below:

All the care related costs you would otherwise have had to pay over your lifetime. DO NOT DELETE.

Your Results

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Care in home – 10 years CHIP Calculation

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Care in home – 7 years CHIP Calculation

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Care in home – 2 years CHIP Calculation

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Care in care home – 3 years CHIP Calculation

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Care in care home – 2 years CHIP Calculation

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Care in care home – 1 years CHIP Calculation

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View the comparison

Care at Home choice	10 Years
Total cost in today’s prices
Residual cost to be paid (Based on your choices)

Paying without a CHIP

Cost:	£ 78,666

Paying with a CHIP

Cost:

View the comparison

Care at Home choice	7 Years
Total cost in today’s prices
Residual cost to be paid (Based on your choices)

Paying without a CHIP

Cost:	£ 66,917

Paying with a CHIP

Cost:

View the comparison

Care at Home choice	2 Years
Total cost in today’s prices
Residual cost to be paid (Based on your choices)

Paying without a CHIP

Cost:	£ 55,671

Paying with a CHIP

Cost:

View the comparison

Care in a Care Home choice	3 Years
Total cost in today’s prices
Residual cost to be paid (Based on your choices)

Paying without a CHIP

Cost:	£ 218,400

Paying with a CHIP

Cost:

View the comparison

Care in a Care Home choice	2 Years
Total cost in today’s prices
Residual cost to be paid (Based on your choices)

Paying without a CHIP

Cost:	£ 145,600

Paying with a CHIP

Cost:

View the comparison

Care in a Care Home choice	1 Years
Total cost in today’s prices
Residual cost to be paid (Based on your choices)

Paying without a CHIP

Cost:	£ 72,800

Paying with a CHIP

Cost:

✅ Great news {Name (First):30.3}, as the table shows, this means you have lowered your care costs as you have chosen a CHIP plan.

{Name (First):30.3}, choosing a CHIP means that your remaining lifetime care costs will not have to be paid by you but will instead be paid by the CHIP. Furthermore, because the CHIP unlocks more Council funding, the amount of CHIP-funded costs to be repaid by rent are less and therefore repaid sooner, and your beneficiaries will pay no inheritance tax on the home they inherit.

Why not chat to us? Complete your submission below.

⚠️ Did you know {Name (First):30.3}, you could have lower care costs if you had chosen a CHIP plan.

The table above highlights how much less you could have paid if you had a chosen the CHIP option.

{Name (First):30.3}, had you chosen a CHIP, your remaining lifetime care costs () would not have to be paid by you but would instead be paid by the CHIP. The CHIP would also have unlocked more Council funding, so the amount of CHIP-funded costs to be repaid by rent would be less and therefore repaid sooner. Also, your beneficiaries would not have to pay Inheritance Tax on the home they inherited.

Why not chat to us? Complete your submission below.

, would you like to book your FREE consultation?*

You can always change your mind later.

Yes

Request a care needs assessment in your own home. This will give you ( and your family) the opportunity to consider more precisely just how much and what kind of care your really need and want and how this can be paid for. There is no charge for this home assessment visit.

Contact Preference*

Select at least 1 choice.

Phone

So we can best contact you, select your preference.

My Care Summary

Purchasing a plan from My Lifetime Care can solve your and your family’s care funding for life, whether you receive care at home or in a care home.

The Calculator results reflect standard care journeys and may not match your exact circumstances.
Your care needs and financial situation are unique, so the results should be treated as a general guide.
To tailor the results to your personal care situation, you can email your summary to our team and request a home care needs assessment.
This free home visit gives you and your family a clearer understanding of the level and type of care you may need—and how it can be funded.

Please contact us on 02921 510 150 or email info@mylifetimecare.co.uk to Book a FREE Consultation or for any questions relating to your results.

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Care Calculator

Your Details

What will your chosen care journey cost ?

, your chosen care journey, costs, and repayment period

Your lifetime care costs for your chosen care journey are .

How long will it take for rent and house value to repay the CHIP Plan?

Your Results

View the comparison

Paying without a CHIP

Paying with a CHIP

View the comparison

Paying without a CHIP

Paying with a CHIP

View the comparison

Paying without a CHIP

Paying with a CHIP

View the comparison

Paying without a CHIP

Paying with a CHIP

View the comparison

Paying without a CHIP

Paying with a CHIP

View the comparison

Paying without a CHIP

Paying with a CHIP

My Care Summary

Purchasing a plan from My Lifetime Care can solve your and your family’s care funding for life, whether you receive care at home or in a care home.

Don't Sell Your House to Pay for Care
Let it pay the bill