Elder care calculators for familiesmaking hard care decisions.
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Privacy+
This site does not require an account, name, email address, username, password, or public profile to use the elder care calculators.
Calculator entries may be saved only in this browser so you can come back later on the same device and update them.
Calculations happen in your browser and don't require an account. When you calculate a result, the specific numbers shown are automatically sent to our AI provider to generate the plain-language summary. None of this is stored by us, shared with anyone else, or used to train any AI model.
Shared Journeys submissions run through automatic safety and relevance checks, then human review before anything appears publicly.
The site is not designed to sell personal data. PDF downloads are free and do not require an email address.
Use Clear saved data any time to remove saved calculator information and remembered Shared Journeys review status from this browser.
Tools+
Choose one of the three elder care engines, select a level, enter the numbers you know, and click Calculate.
Quick Answer keeps inputs short. Detailed Analysis and Comprehensive Plan reveal more assumptions for users who want a fuller estimate.
Calculation details
Can They Afford Assisted Living? estimates available assets, income, care cost, other expenses, monthly shortfall, care runway, conservative runway, and Medicaid planning urgency.
Home Care vs Assisted Living compares paid home care, family caregiving time, respite, transportation, home modifications, assisted living add-ons, and burnout risk.
Should We Sell The House? compares selling, keeping, renting, and reverse mortgage education estimates while flagging spouse, Medicaid estate recovery, repair, vacancy, and family disagreement concerns.
Results are estimates. They depend on the inputs, assumptions, and missing details shown in the result.
The Download PDF Report button creates a report from the last calculated engine result.
Shared Journeys+
Shared Journeys is an elder care experience library: practical examples that make tradeoffs around care costs, family caregiving, Medicaid planning, housing, and sibling decisions easier to recognize.
The current journeys cover care runway, home care, family caregiving burden, house decisions, Medicaid concerns, and unexpected care changes.
Open Shared JourneysComplete PDF Report+
The calculator results are free to view on this site.
The PDF is a free convenience export for users who want to save, print, or share their elder care calculation. It is an educational report based on the user's entries, not a professional financial, legal, tax, medical, Medicaid, or estate plan.
The PDF report includes the selected calculator, information entered by the user, main care answer, key numbers, care-cost estimate, family burden or home-equity assumptions, risk flags, strengths, weak spots, possible next steps, scenarios when available, assumptions used, and educational disclaimer.
Your results are free. PDF downloads are free and only for saving, printing, or sharing your report.
Click Calculate first so the PDF matches the most recent result shown on the page.
Ads are not included in the PDF report.
Disclaimer+
ElderCareDecision.com is an educational calculator and decision-support tool. It does not provide legal, financial, tax, Medicaid, insurance, medical, estate planning, or professional advice.
Results are estimates based on the information entered and assumptions shown. Care decisions depend on state rules, local care options, health needs, family capacity, taxes, housing, insurance, and personal circumstances.
Read full disclaimerCommon Questions+
Is this financial advice?+
No. ElderCareDecision.com is an educational calculator and decision-support tool. It can help organize assumptions, estimates, and possible next steps, but it does not provide legal, financial, tax, Medicaid, insurance, medical, estate planning, or professional advice.
Do I need an account?+
No. The site does not require an account, username, password, email address, or profile. Calculator entries may be saved in this browser, and the specific numbers shown are sent to our AI provider when a result summary is generated.
Where should I get care-cost numbers?+
Use care quotes, benefit letters, bank statements, and state Medicaid resources where possible. Broad care-cost estimates are a starting point, not a final local quote.
Why do the results show assumptions?+
Elder care planning depends heavily on assumptions like care cost, care inflation, family hours, home equity, Medicaid rules, and local care fees. Showing assumptions makes the result easier to question and update.
Can I export my result?+
Yes. After calculating an engine result, use Download PDF Report to export an ElderCare Report with inputs, key numbers, scenarios, possible next steps, assumptions, and the educational disclaimer. Your results are free; PDF downloads are free and only for saving, printing, or sharing your report.
Where Should I Start?
Choose the elder care question your family is trying to answer.
Each calculator answers a different hard practical question: care runway, real home-care cost, or whether the house should become part of the care plan.
Can They Afford Assisted Living?
Estimate their care runway, monthly shortfall, the date money may run out, and Medicaid planning timeline.
Check Care RunwayHome Care vs Assisted Living
Compare paid care, family caregiving time, assisted living, memory care, and caregiver load.
Compare Care OptionsShould We Sell The House?
Compare selling, keeping, renting, reverse mortgage estimates, and the effect on care runway.
Compare Home ChoicesActive engine
Home Care vs Assisted Living
Page-specific sources: Paid home care uses entered hours and rates. Family caregiving value uses the selected wage setting or the custom value entered.
Data freshness: Wage defaults, care-cost defaults, and family-care load language were reviewed on July 8, 2026. Local wages, provider rates, and respite costs can change after that date.
Who is this plan for?
Step 1 of 2
Care at home
Start with paid help, family time, and the hourly value used for family caregiving.
PDF report options
Results are free. PDF downloads are free and only for saving, printing, or sharing this family care estimate.
Privacy: Calculations happen in your browser and don't require an account. When you calculate a result, the specific numbers shown are automatically sent to our AI provider to generate the plain-language summary. None of this is stored by us, shared with anyone else, or used to train any AI model.
Disclaimer: ElderCareDecision.com is an educational calculator and decision-support tool. It does not provide legal, financial, tax, Medicaid, insurance, medical, estate planning, or professional advice. Medicaid rules vary by state. Care costs are estimates and may differ from actual local care options. Families should verify decisions with qualified professionals.
Shared Journeys
Real stories are being collected.
Shared Journeys will feature approved stories from real visitors. Until then, the library stays open for new submissions instead of showing sample story cards.
Share a care journeyHome Care Articles
Read more about home care, family time, and when caregiving becomes too much.
Articles for seeing the real cost of care at home.
Home Care Comparison
Is Home Care Really Cheaper Than Assisted Living?
Compare the visible price of home care with the hidden value of family time, safety risk, and full household cost
Home Care Comparison
The Hidden Cost of Family Caregiving
Family caregiving is loving work and real work at the same time — and understanding its full cost matters for planning
Home Care Comparison
When Does Family Caregiving Become Too Much?
Recognize the point where family care may no longer be safe, sustainable, or fair
Home Care vs Assisted Living
How Do I Compare Home Care, Assisted Living, and Nursing Home Care?
A simple way to compare care settings by supervision level, monthly cost, medical needs, safety, and family capacity.
Home Care Cost
How Many Home Care Hours Does My Parent Need?
How to think through daily tasks, supervision, safety gaps, family help, and paid care hours before choosing a home-care plan.
Calculator questions
Common questions about this estimate
Why does the calculator value family caregiving time?
Family caregiving often has real costs through missed work, travel, fatigue, and lost flexibility. Showing that value makes the home care comparison more complete.
Are the wage choices exact local wage data?
No. Minimum wage and local average wage are simple planning defaults. The custom rate field is the best place to enter a local wage, missed-work value, or family-agreed value.
Does home care always cost less than assisted living?
Not always. Home care may cost less at low hours, but the comparison changes when paid hours, overnight supervision, respite, home changes, and family caregiving time are included.
One step at a time
You do not have to solve the whole care decision today.
A useful next step may be as small as replacing one estimate with a real quote, naming one family concern out loud, or asking the right professional one clear question.