NDIS Budget Planner 2025
Plan how to spend your NDIS funding across Core, Capacity Building, and Capital supports. Calculate weekly support hours and track your budget allocation.
NDIS Budget Categories
Core Supports
Daily activities, consumables, transport, social participation
Capacity Building
Therapies, skill development, support coordination
Capital Supports
Equipment, home modifications, vehicle modifications
Budget Flexibility
- Core: Flexible within category (can move between daily activities, transport, etc.)
- Between categories: Cannot move funds without plan review
Note: This planner is for guidance only. Your actual plan may have specific line items and rules. Check your plan or speak to your support coordinator.
Enter Your NDIS Plan Budget
Input your total plan funding by category.
Your Budget Breakdown
Total Plan
$60,000
Weekly Budget
$1,154
Budget Allocation
Weekly Breakdown
Estimated Support Hours (Core)
10.9
hrs/wk (weekday)
7.8
hrs/wk (weekend)
564
hrs/year
Based on 2025-26 NDIS price limits. Actual hours depend on your support types and rates.
Budget Tips
- Track spending monthly to avoid underspend or overspend
- Unspent funds don't roll over - use it or lose it
- Request a plan review if your needs change significantly
Frequently Asked Questions
Your NDIS budget is pre-allocated across three main categories based on your plan:
- Core Supports - Daily activities, consumables, transport, social participation
- Capacity Building - Therapies, skill development, support coordination
- Capital Supports - Equipment, home/vehicle modifications
Within each category, work with your support coordinator to decide how to allocate funds to specific supports based on your goals.
Within Core Supports: Generally yes - you can move funds between sub-categories like daily activities, transport, and consumables.
Between main categories: No - you cannot move funds from Core to Capacity Building or Capital without a plan review.
If you find your budget allocation doesn't match your needs, request a plan review to have your funding reassessed.
Unspent NDIS funding does not roll over - it returns to the NDIA at the end of your plan.
Consequences of consistent underspending:
- Your next plan may be reduced
- You may be missing out on beneficial supports
If you're underspending, talk to your support coordinator about accessing additional services or different supports that could help you achieve your goals.
Hours depend on your Core Supports budget and support type. Examples (2025-26 rates):
| Budget | Weekday Hours/Week | Annual Hours |
|---|---|---|
| $20,000 | ~5.4 hrs | ~282 hrs |
| $40,000 | ~10.9 hrs | ~564 hrs |
| $60,000 | ~16.3 hrs | ~847 hrs |
| $100,000 | ~27.2 hrs | ~1,411 hrs |
Higher intensity supports, weekend shifts, and public holidays cost more per hour.
There's no "right" percentage - it depends entirely on your individual needs:
- High daily support needs: 80%+ in Core
- Focus on therapy/skill building: More in Capacity Building
- Need equipment/modifications: More in Capital
Typical allocations:
- Core: 60-80%
- Capacity Building: 15-30%
- Capital: 5-15%
Several ways to track your NDIS spending:
- myNDIS app/portal - Check real-time budget balances
- Plan manager portal - If plan-managed, your PM provides spending reports
- Provider invoices - If self-managed, track all invoices
- Spreadsheet - Many people use their own tracking spreadsheet
Tip: Check your spending at least monthly to stay on track.