What Can NDIS Funds Be Used For in 2026
NDIS funds can be used for services and items that help you with your disability. As of 2026, the government has a very clear list of what you can and cannot buy. Every support must be "reasonable and necessary" and link directly to the goals in your NDIS plan.
Your 2026 Guide to NDIS Spending
The NDIS budget is now divided into four main areas. These are Core, Capacity Building, Capital, and Recurring supports. You can use your money for things like personal care, therapy, and equipment that makes life easier. However, you cannot use it for everyday costs like rent or groceries.
We help families in Gippsland and Pakenham stay on track with these new rules. Since October 2025, the government has become stricter about how money is spent. It is important to check the official NDIS support list before you buy anything. We make sure your spending matches your goals so you do not have to pay money back.
What Can NDIS Funding Be Used For?
The NDIS pays for supports that help you live an ordinary life. These supports must be related to your disability and offer good value for money.
In-Home Support for help with showering and cooking.
1-on-1 Support for social activities and community visits.
Group Community Access to join local clubs and events.
Supported Employment to help you find and keep a job.
Medical & Dental Appointments for transport and support during check-ups.
Can I Buy a Laptop with NDIS Funding?
You can only buy a laptop or tablet if it is the only way for you to communicate or access therapy. You cannot buy one just for school, work, or fun.
In 2026, the NDIS views laptops as "everyday items" that most people own. To get one funded, you need a letter from a therapist. They must prove that the device is vital for your disability needs. For example, you might need it for a speech programme. Usually, the NDIS will only pay up to $600 for a basic tablet. You can find more tech rules on the NDIS Assistive Technology page.
How is NDIS Transport Funding Paid?
Transport funding is now a "Recurring Support" for many participants. This means the money is paid directly into your bank account every two weeks.
Level 1: About $1,784 a year for occasional social trips.
Level 2: About $2,676 a year if you work or study part-time.
Level 3: About $3,456 a year if you work or study more than 15 hours a week.
You do not need to show receipts for these regular payments.
Using Transport in Regional Victoria
Gippsland and Cardinia do not always have great public transport. Because of this, the NDIS may give you extra help to get around.
You can use your Core budget to pay a support worker to drive you. They can use their own car or your car. In places like Pakenham, this is often the best way to get to the shops or the doctor. You can see more about travel rules on the Fair Work Ombudsman site for worker pay.
The 4 Main NDIS Budgets Explained
Core Supports: These are flexible. You can use them for daily help, small items, and social activities.
Capacity Building: These are for learning skills. This includes therapy and Support Coordination.
Capital Supports: These are for big things like wheelchairs or Home Modifications.
Recurring Supports: This is usually for transport money that goes into your bank.
What Is Not Allowed on the NDIS?
There are 15 areas that the NDIS will never fund. These are things that every Australian has to pay for themselves.
Groceries, takeaway food, and alcohol.
Rent, home loans, and water bills.
Most toys, video games, and streaming services.
Cosmetic surgery or general health check-ups.
Tickets to the movies or concerts (though you can pay for the support worker's time).
You can check the Australian Competition & Consumer Commission for advice on buying equipment safely.
What is a Replacement Support?
A replacement support is an item you buy instead of a standard NDIS support. You must ask the NDIS for permission in writing first.
You might want a smart watch for fall detection instead of a standard alarm. Or you might want a robot vacuum to help you stay independent. In 2026, you can apply for these once a year. If the NDIS says yes, you can use your funding for them. You can find the rules on the Federal Register of Legislation.
How We Help You Spend Wisely
We act as your local guide in Gippsland. We make sure every dollar you spend helps you reach your goals in a safe way.
We provide clear invoices that match NDIS rules.
We help you find local services in Pakenham and Balook.
We advise you on the best way to use your 1-on-1 support.
We help you prepare for your plan review.
You can learn about participant rights on the Australian Human Rights Commission website.
How to Get the Most from Your Plan
Always link your purchases to your NDIS goals.
Keep all your receipts for five years if you are self-managed.
Ask your Plan Manager if you are not sure about a cost.
Make a Referral to join our community.
Contact Us to learn about our local services.
Contact Curamus for Local Support
Phone: 0484 824 250
Email: enquiries@curamus.com.au
Hours: Monday – Sunday (8am - 6pm)
Visit us in Gippsland and Pakenham today.
Frequently Asked Questions
Can I buy a weighted blanket with NDIS?
Yes, but only if an Occupational Therapist says you need it for your disability. It must be a "low-cost" item under $1,500.
Does the NDIS pay for gym memberships?
No, the NDIS does not pay for the membership fee. It can pay for an Exercise Physiologist to help you work out, but you must pay for the gym yourself.
How do I pay for my support worker's petrol?
If your worker drives you in their car, they can charge a per-kilometre rate. This comes out of your Core budget. You should agree on this price before the trip.
Can I use my NDIS for alternative therapies?
No, the NDIS does not fund things like crystal therapy or massage. They only fund therapies that have scientific proof, like Physiotherapy.
Is help available in Balook?
Yes, we have a facility in Balook for Supported Independent Living (SIL). We support participants all across Gippsland.