Fair Deal cost calculator — estimate your weekly contribution.
A free online estimate of what you'd pay weekly under the HSE Fair Deal Scheme (Nursing Homes Support Scheme). Uses the standard formula — 80% of assessable income plus 7.5% of assessable assets, with the 3-year cap on your home — and works for single applicants, couples, and people with a family farm or relevant business.
Income, cash, your home, second property, optional loan.
Are you applying as a couple?
For couples, half of joint income and assets is assessed; the asset disregard doubles to €72,000.
Weekly income
State Pension, occupational pensions, employment income, rental income — added together, before tax.
Cash, savings & investments
Bank accounts, credit union, post office, shares, ARFs, life policy surrender values.
Home value (principal residence)
The HSE wants a registered valuation from an auctioneer or valuer. The home is only assessed for the first 3 years (the 3-year cap).
Second / additional property value
Investment properties, holiday homes, inherited property — these have no 3-year cap unless they qualify as farm/business.
Nursing Home Loan
Optional. The HSE registers a charge against your property; the deferred amount is repaid from your estate. Doesn't reduce your contribution — only defers when you pay.
Estimated weekly contribution
€805/ week
€41,860 per year • Year 1 of care
Show year
From year 4 your home drops out of the assessment (3-year cap).
Where the contribution comes from
Year-by-year projection
€805
Year 1
€805
Year 2
€805
Year 3
€300
Year 4+
Drop in year 4 = 3-year cap kicks in and your home stops being assessed.
Income rate: 80% of income
Asset rate: 7.5% of assets
Asset disregard: €36,000 (single)
Happy with the estimate? Apply now.
The wizard turns the 40-page HSE form into a guided online questionnaire. €89 once-off (incl. VAT) — paid only when you download your completed pack.
Estimate only. The HSE makes the actual financial assessment when you apply — it considers allowable deductions, exclusions and circumstances this calculator can't capture. FairDealWizard is not affiliated with the HSE and the figures here are for guidance only, not financial or legal advice.