NHS Low Income Scheme Calculator
The NHS Low Income Scheme (LIS) helps patients with low incomes meet their healthcare costs. Our calculator helps you determine if you’re eligible for LIS and how much you could save.
- Enter your annual income (before tax) in the first field.
- Select your savings and investments in the second field.
- Click ‘Calculate’ to see your LIS eligibility and potential savings.
The LIS uses a complex formula to assess your eligibility. Our calculator uses the following steps:
- Calculate your ‘disregarded amount’ based on your income and savings.
- Compare this to the LIS threshold to determine your eligibility.
- Calculate your potential savings based on your healthcare costs.
| Income | Savings | LIS Eligibility | Potential Savings |
|---|---|---|---|
| £12,000 | None | Yes | £200 |
| £18,000 | £15,000 | No | N/A |
| £25,000 | None | No | N/A |
| Income Band | Disregarded Amount |
|---|---|
| Up to £16,000 | £16,000 |
| £16,001 – £23,250 | £16,000 + (income – £16,000) x 0.6 |
| Over £23,250 | £16,000 + (income – £16,000) x 0.6 |
- Even if you’re not eligible for LIS, you may still be able to get help with your healthcare costs through other schemes.
- If you’re eligible for LIS, you can claim back money you’ve already spent on healthcare costs.
- It’s important to keep your LIS application up-to-date to ensure you continue to receive the help you’re entitled to.
What is the LIS threshold?
The LIS threshold is the maximum income you can have and still be eligible for LIS. It’s currently £18,500 for single people and £23,250 for couples.
How often do I need to apply for LIS?
You need to apply for LIS every year to continue receiving help with your healthcare costs.
NHS Low Income Scheme – Official NHS guidance on the LIS.
Money Advice Service – Expert advice on managing your money and getting the help you’re entitled to.