Fair Deal calculator Ireland — estimate your weekly contribution.
A free online estimate of what you'd pay weekly under Ireland's HSE Fair Deal Scheme — the Nursing Homes Support Scheme (NHSS). Uses the standard Irish 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 and private pensions, employment and rental income — added together, after income tax, PRSI and USC (your net / take-home amount). Fair Deal assesses income net of these.
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. The cap only applies to a family farm or relevant business that meets strict Part 6 conditions (a proposed family successor and active-work proof — see below), not to ordinary property.
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
Apply for Fair Deal nowFree to start — €49 (incl. VAT) only when you download your completed pack.
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) — applied across all your assets, not just cash
You never pay more than the cost of your care. If this estimate is higher than a nursing home's actual weekly rate, your contribution is capped at that rate — the State covers the rest.
You keep a personal allowance. Fair Deal leaves you a portion of your income for personal spending — it never takes everything.
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How the Fair Deal Scheme calculator works
This Fair Deal Scheme calculator uses the standard Irish assessment formula for the Nursing Homes Support Scheme (NHSS): you contribute 80% of your assessable income and 7.5% of the value of your assets each year, with the value of your principal residence capped after three years in care. For couples, assessable means are based on half of the couple’s combined income and assets.
It’s an estimate to help you plan — the HSE makes the actual financial assessment when you apply, taking into account allowable deductions and circumstances a calculator can’t capture. When you’re ready, you can fill in the HSE Fair Deal application form online, read how much Fair Deal costs, or check the 3-year cap on your home.
Happy with the estimate? Apply now.
The wizard turns the 40-page HSE form into a guided online questionnaire. €49 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.