Senior Living Cost Calculator
Compare the real monthly cost of staying at home with care against independent living, assisted living and memory care — and see how long income and savings would cover each option. Results appear instantly on screen.
- Counts the costs families forget: home upkeep, transport, care hours
- Shows the monthly gap between income and each option
- Shows how many months savings would cover the gap
Before you start
Use monthly figures. For communities, use the prices quoted by communities you are actually considering — costs vary widely by location and level of care. Leave any option blank to skip it. Nothing you type is sent anywhere unless you choose to email your results.
Open the calculator1. Staying at home
2. Community options
Record one-time community or entrance fees separately — they are not monthly costs.
3. Income & savings
Total monthly income:
| Option | Monthly cost | Monthly gap | Savings runway |
|---|
These figures are estimates based only on what you entered. They do not include taxes, inflation, investment growth or changes in care needs.
Email me my results
Get your figures and the printable cost worksheet to share with family.
Reading your results
The cheapest option on paper is not always the cheapest in practice. Staying home often looks affordable until care hours rise; a community fee can look high until you add up the mortgage, food, utilities, transport and care it replaces. Re-run the numbers with higher care hours to see how each option changes if needs increase — that is usually where the real decision lies.
Educational information only — not medical, legal, financial or insurance advice. Program rules and costs vary by state and change over time. Warm Hearts Senior Care is an independent resource and is not affiliated with any government agency.