The Real Cost of Care (2025)
Care fees have risen sharply, with the average UK nursing home now costing over £80,000 per year. Estimate the potential liability for your family below.
Care Cost Calculator
Duration of Care: 3 Years
Long-term care cost calculator guide for the UK
WeCovr's long-term care cost calculator helps UK families estimate care liabilities, backed by FCA-authorised guidance and 900,000+ policies issued across protection products. WeCovr also supports private medical insurance UK planning, while this guide explains care cost fundamentals.
What this long-term care calculator estimates
The calculator estimates weekly, annual, and multi-year care costs based on region and care type.
It uses published averages and does not include future inflation or state funding rules.
Estimates care fees by region.
Compares home, residential, and nursing care.
Projects multi-year cost exposure.
Why care type matters
Nursing care typically costs more due to clinical staffing, while home care can vary by hours and local rates.
Why WeCovr supports later-life planning
WeCovr provides FCA-authorised guidance with high customer satisfaction ratings. We also offer complimentary access to the CalorieHero AI calorie tracking app and discounts when customers take PMI or Life insurance. If you are comparing private medical insurance UK options, we can help you access private health cover through a trusted PMI broker.
Data sources and guidance references
This guide references LaingBuisson, Age UK, and UK care market benchmarks.
Care cost drivers
| Type | Typical cost | Why higher | Notes |
|---|---|---|---|
| Home care | Lower | Hours-based | Depends on schedule |
| Residential | Medium | 24/7 support | Accommodation included |
| Nursing | Higher | Clinical care | Medical staffing |
Related WeCovr resources
FAQs
Does this include state funding?
No. It assumes self-funding and does not account for local authority support.
Are costs the same across the UK?
No. Costs vary by region and provider.
Does this include inflation?
No. It uses current averages only.
Is this financial advice?
No. It is an informational estimate only.