Fair Deal estimator.

For a couple, the assessment is based on half of the combined means, and the disregard doubles. Enter the combined figures.

After year three the home drops out: about {{ after }} a week.

Eighty per cent of assessable income, plus 7.5% of assets a year, with the first €36,000 of assets disregarded, €72,000 for a couple. The home counts for a maximum of three years, so at most 22.5% of its value, and half that where a spouse remains living in it. Scheme rules current for 2026. An estimate for guidance; the HSE financial assessment is the formal figure.

The property portion can wait

The part of the contribution that comes from the home can be deferred through the Nursing Home Loan and settled from the estate later. Nobody ever pays more than the actual cost of their care.

The HSE does the formal assessment

This page applies the published formula to the figures you enter. The HSE assesses income and assets in detail, including transfers made in the five years before the application.

Three matters, one meeting

This is exactly when the will, an enduring power of attorney and the Fair Deal application should be looked at together. If there is no EPA in place yet, that comes first.

Planning care for a parent?

Bring the pension letters and a rough idea of savings and the house. One meeting covers the application, the EPA and the will.