Every NDIS plan splits into up to three budgets, and each behaves differently. Know which is which and you will never leave support unused.
Same plan, three very different sets of rules. Here is what each pays for and how flexible it really is.
Everyday assistance: personal care, community access, consumables and transport.
Most flexible. Funds can usually move between Core categories as your week demands.
Supports that build skills and independence over time, not just for today.
Fixed to each category. Funding cannot move between Capacity Building categories.
Higher-cost, one-off items that need quotes or approval before purchase.
Least flexible. Tied to the specific item or modification in your plan.
Track spending monthly, not at review time. Small drifts become big shortfalls.
Unspent funding does not roll over, and consistent underspend can shrink your next plan.
Keep receipts and notes on how supports link to your plan goals.
Ask providers for service agreements that show rates against the NDIS price guide.
Support coordination, clear service agreements, and honest advice about what your plan can and cannot fund.