Senior care cost calculator
Estimate the monthly and annual cost of care in your state, then project how long your savings and income will cover it. Built on the sourced averages in the data table.
How the calculator works
The model starts from a national average for the care type you pick. For assisted living, memory care, and nursing homes those are published monthly figures. For in-home care the monthly cost is the hourly rate times the hours you enter. Selecting a state applies that state's assisted living cost level to the national figure.
The runway projection is the simple version that matters most: your savings divided by the monthly gap between the cost of care and the income you can put toward it. It is deliberately conservative — it does not assume investment returns or rising care prices, and care costs have been rising about 5% a year.
It is a planning tool, not a quote. Use it to know whether a number you are quoted is normal, and to see roughly how many years a given amount of savings buys.