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Home / Guides / Direct payments (England)

Direct payments and personal budgets

The short answerYour personal budget is the amount of money your local council will pay towards any social care and support you need. The money can be paid to you, to help you make more decisions about how it's spent. This is known as a direct payment.

A direct payment lets you choose who cares for you and when, including employing a personal assistant, instead of taking the services the council arranges.

Quick facts

Comes from
A council needs assessment
Paid to
You, or someone you choose
Or
Council-managed, or a mix
Carers
Can get a personal budget too

What a personal budget is

Your personal budget is the amount of money your local council will pay towards any social care and support you need.

The amount of money in your personal budget is decided by your local council after getting a needs assessment to work out what kind of care and support you need, how much it will cost, and how much you're able to afford yourself.

How you can take it

You can ask the council to either:

You can also choose a combination of these options.

Carers

If you're a carer, you may be entitled to receive a personal budget after having a carer's assessment to see what might help make your life easier. See social care assessments.

How to start

Ask social services at your council for a needs assessment first. If you are found eligible for help, ask for your budget as a direct payment.

Common questions

What is a direct payment?

Your council's social care budget for you, paid to you or someone you choose so you can arrange your own care.

Do I need an assessment first?

Yes. The budget is decided after a needs assessment.

Can carers get direct payments?

Carers may get a personal budget after a carer's assessment.

Can I mix direct payments with council care?

Yes. You can choose a combination.

Source: NHS: Personal budgets and direct payments, read 12 October 2026. Every figure on this page is quoted from there. If it changes, this page is wrong until we fix it — tell us and we will.

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