Understanding your NDIS plan: a plain-English guide

Your NDIS plan can feel like a foreign language the first time you open it. We've sat with hundreds of NSW families across the kitchen table and the same handful of questions come up every single time.

Core supports are the day-to-day budget — personal care, community access, transport and consumables. It's the most flexible bucket and the one you'll use most weeks.

Capacity Building is the longer game. Therapy, support coordination, employment supports — anything that helps you build skills over the next 12 months.

Capital is for one-off, higher-cost items: assistive technology, home modifications, sometimes a wheelchair. It's the strictest bucket and usually quoted.

Our rule of thumb: spend Core on people who turn up consistently, spend Capacity Building on a small number of high-quality therapists, and let your support coordinator (or us) handle the paperwork.