The Blues – who finished fourth last season, one place below Man United on goal difference – have already spent more than £200m this summer on Timo Werner, Hakim Ziyech, Ben Chilwell and Kai Havertz.
Chelsea’s spending has raised hopes of a title challenge this season but Liverpool legend Carragher still expects Frank Lampard’s side to finish below Manchester United.
Ole Gunnar Solskjaer’s Red Devils enjoyed a brilliant second-half to the 2019-20 season, with January signing Bruno Fernandes helping Man United climb past Chelsea and Leicester City into third.
‘Chelsea were arguably the most interesting team to watch last season for the neutral as you were never quite sure what you would get from them,’ Carragher told TEAMtalk.
‘They had some big wins, got into the top four, but also had some big defeats. Chelsea conceded a lot of goals and score a lot of goals and that to continue this season, even after all their signings this summer.
‘They have signed some good players, but getting them all to fit into their team quickly will not be easy and we don’t know how Havertz, Werner and the rest will adapt to English football.
‘Also, they still have a huge problem with their goalkeeper and until that is rectified, I don’t see them getting anywhere near Man City or Liverpool, whoever they buy in the top end of the pitch.
‘That’s why I would back Manchester United to finish ahead of them again, even though they don’t like they are ready to get anywhere near the 90-95 point target needed to win the title.’
The former Liverpool and England defender added: ‘Having Bruno Fernandes for a full season will give them [United] a real chance to make improvements.
‘We are all guilty of saying a team that is struggling needs five or six players to be competitive, but Fernandes coming into United showed that the addition of one quality player can make a huge difference.
‘If United can get Jadon Sancho and a good centre-back, they will be closer to Liverpool and City, but it is hard to see them getting in the mix for the title.’