Budget Categories Explained

Three main categories — Core, Capacity Building, and Capital — each serve different purposes. Here’s how they work in practice.

Core

Everyday support to help with daily life, social & community participation, consumables, and some transport.

Capacity Building

Build skills and independence — therapy, plan & financial management, employment supports, improved daily living.

Capital

Assistive technology and home/vehicle modifications — usually requires quotes and approval.

Common Sub-Categories & Examples

Category	Sub-Category	Examples	Notes
Core	Assistance with Daily Life	Support worker at home; meal prep	Often flexible within Core (check your plan)
Core	Consumables	Low-cost AT, continence products	May have price limits; keep receipts
Core	Social & Community Participation	Support worker in community, classes	Consider travel & activity costs
Capacity Building	Improved Daily Living	OT, physio, psychology, behaviour support	Reports help justify ongoing hours
Capacity Building	Support Coordination / Specialist	Connecting services, resolving issues	Time-limited or targeted
Capacity Building	Plan Management	Invoice processing & budget tracking	Paid in addition to other supports
Capital	Assistive Technology	Wheelchairs, communication devices	Usually needs quotes & trials
Capital	Home/Vehicle Mods	Ramps, bathroom changes, hoists	Requires assessments & approvals

Note: Some Core funds are flexible across sub-categories, but Capacity Building and Capital are generally not interchangeable.

Who Manages the Funds?

NDIA-managed: you use registered providers; the Agency pays them directly.
Plan-managed: a plan manager pays invoices and tracks budgets for you.
Self-managed: you pay and claim reimbursements (more choice, more admin).

FAQs

Core can be flexible across its sub-categories. Capacity Building and Capital are usually fixed unless the plan is changed.

Review goals with your coordinator, check waitlists, and consider alternatives (group sessions, telehealth). Discuss at reassessment if budgets need adjusting.

Last updated: 28 October 2025