Elder Care Cost Calculator
Compare elder care costs: in-home aide, adult day care, assisted living, and nursing home by state.
By Konstantin Iakovlev · Updated September 2026 · Source: CareScout 2025 Cost of Care Survey (Genworth release, March 2026)
Monthly Cost
$6,200.00
Annual Cost
$74,400.00
5-Year Total
$411,106.97
5-Year Projection (5% inflation)
| Year 1 | $74,400.00 |
| Year 2 | $78,120.00 |
| Year 3 | $82,026.00 |
| Year 4 | $86,127.30 |
| Year 5 | $90,433.67 |
Use the Elder Care Cost Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
How It Works
Families weighing long-term care for an aging relative face a wide and often confusing range of price tags. This tool puts a monthly, annual and five-year price on five kinds of care: an in-home aide, adult day care, assisted living, memory care and a nursing home. Seeing the financial picture clearly is what makes informed planning possible.
Each care type uses one fixed national rate, with no adjustment for state or city. An in-home aide is an hourly rate times the hours per week you enter, times 4.33 weeks a month; adult day care is a daily rate, counting every 8 of your weekly hours as one day, times 4.33; assisted living, memory care and nursing home care are flat monthly rates. The monthly cost is multiplied by 12 for the annual figure, and the five-year table raises that annual cost by 5% a year.
Treat these as planning figures rather than quotes: actual spending swings with the level of care a person needs, the amenities a particular facility offers, and even where within a state they live. The base estimates also leave out medications, personal supplies, and transportation, so those belong in your own tally. One thing families routinely miss is that care needs tend to grow over time, which is why building a cushion into the plan pays off.
Example: Five Years of Assisted Living
- 1 Input: Care Type = Assisted Living. The Hours per Week field only appears for an in-home aide or adult day care, so nothing else is needed.
- 2 Monthly and annual cost: the calculator's assisted-living rate is the CareScout 2025 national median of $6,200 a month, so the annual cost is $6,200 × 12 = $74,400.
- 3 Five-year projection at 5% a year: $74,400, $78,120, $82,026, $86,127.30 and $90,433.67, for a 5-Year Total of $411,106.97.
- 4 Context: this is one national rate with no state adjustment. Prices vary widely by state and facility, so set it against quotes from communities near your relative before you budget.
Source: CareScout 2025 Cost of Care Survey (Genworth release, March 2026) · Last updated: September 2026
Frequently Asked Questions
How much does in-home care cost per hour?
How much does assisted living cost per month?
Does Medicare pay for elder care?
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