Elder Care Cost Planner Calculator

Estimate total elder care costs by setting, duration, inflation, and benefit offsets (Medicaid, VA, LTC insurance).

Medical Disclaimer

This calculator is for informational and educational purposes only. It is not a substitute for professional medical advice, diagnosis, or treatment. Always consult a qualified healthcare provider before making decisions about your health. Never disregard professional medical advice or delay seeking it because of results from this tool.

Inputs

Care Setting

In-home hours/week

hrs

Duration

months

Geographic cost adjustment

Annual care cost inflation

Medicaid Eligible

VA Benefits

LTC Insurance

LTC daily benefit

$/day

Tab to move between fields

Results

Monthly cost (adjusted)

$5,350.00

First year annual cost$64,200.00

Total cost over duration$133,352.00

Final month cost$5,768.00

Net monthly out-of-pocket$5,350.00

Total out-of-pocket$133,352.00

Savings needed$133,352.00

How to Use This Calculator

Enter the current level of care needed: in-home care, assisted living, or skilled nursing.
Enter the number of care hours per day and the local hourly or daily rate.
Enter the expected duration of care in months or years.
Review Total Care Cost and Monthly Cost to budget for elder care expenses.
Use the estimate to compare care options and plan funding strategies including long-term care insurance.

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