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Understanding the NDIS

Understanding the budgets in your NDIS plan

A plain English introduction to Core, Capacity Building, Capital and Recurring Supports, and what to check before spending.

Illustration: four coloured folders beside a house key, gardening gloves and a calculator.
AI-generated editorial illustration created for this guide.

Your NDIS plan explains the funding available and what it can be used for. The names can be unfamiliar at first, so begin with the budget and support written in your own plan.

Current NDIA guidance describes four budget types. You may not have funding in every type.

Core Supports

Core funding can cover disability-related assistance with everyday life. The flexibility depends on how the funding is described in your plan. Some support is stated and cannot simply be moved to another purpose.

For support at home or in the community, ask which budget and support item the provider proposes to use. Don’t assume every activity or expense can come from Core.

Capacity Building

This funding is for agreed supports that help build skills and capacity. A plan might include particular therapy, coordination or other supports. Check the actual category and any stated requirements before booking.

Wanting to develop a skill does not automatically make any activity claimable as Capacity Building.

Capital Supports

Capital can include approved equipment and home modifications. Items may require evidence, professional advice, a quote or approval. Check the plan and relevant rules before buying.

The assistive technology guide explains questions to ask about equipment.

Recurring Supports

Recurring supports are paid on a regular basis when included in a plan. They have their own arrangements and should not be treated as a spare amount that can be used for any service.

Look at the amount available now

If your plan has funding periods, check what is available in the current period, not only the total for the whole plan. Keep existing commitments and invoices in view when agreeing to new support.

The NDIA’s support budget guidance explains the current structure. Your my NDIS contact can help with questions about your plan.

If a provider quote is unclear, ask them to identify the support, unit, quantity and budget involved. Vana Care’s estimate tools can help you look at the numbers, but they don’t decide funding or replace a service agreement.