How Much Does Senior Care Really Cost?
Free cost calculator with state-specific estimates, funding source analysis, and a shareable family planning summary. No account required.
What you'll get
State-specific costs for 7 care types
In-home care, home health, adult day, assisted living, memory care, nursing home (semiprivate and private) — real 2026 data for your state.
Adjustable inflation projections
Plan years ahead with realistic 3-5% annual cost growth. A $6,200/month ALF today becomes $7,657 by 2031.
Care needs assessment
Answer questions about ADLs, cognitive status, and supervision needs to find the right type of care.
Funding source analysis
See how VA Aid & Attendance, Medicaid eligibility, LTC insurance benefits, and personal savings cover the cost.
Medicare correction callout
Prominent warning that Medicare does not cover long-term custodial care — the most dangerous misconception in senior care planning.
Family Planning Summary PDF
Download a shareable summary with cost estimates, funding gaps, and next steps for family meetings.
Medicaid eligibility screening
State-specific asset and income limits with community spouse resource allowance and look-back period warnings.
VA benefit estimation
Calculate Aid & Attendance benefit amounts for veterans, spouses, and surviving spouses based on 2026 MAPR rates.
Popular states
Select your state in the calculator to see local costs.
Learn more
Practitioner guides for the work before, during, and after running the numbers.
How to Pay for Senior Care: The Complete Funding Guide
A practical guide to the four funding sources for senior care — private pay, VA benefits, Medicaid, and long-term care insurance — and how they work together.
Assisted Living vs. Nursing Home: How to Choose the Right Care
The differences between assisted living and nursing homes go far beyond cost. This guide covers care levels, regulations, Medicaid coverage, and when each type is appropriate.
Medicaid Planning for Senior Care: What Families Need to Know
Medicaid pays for more nursing home care than any other source — but qualifying requires navigating asset limits, look-back periods, and state-specific rules. A practical overview.