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Senior Care Cost Planner

Senior Care Cost Planner

Compare the potential cost of care at home, assisted living, memory care, and skilled nursing using transparent assumptions and published benchmarks.

SeniorTrustHub's Senior Care Cost Planner is educational planning information. It is not a provider quote, financial advice, or a determination of Medicare, Medicaid, VA, or long-term-care insurance benefits.

Not sure what kind of care to compare? Use the Care Needs Navigator

Which scenarios do you want to compare?

This version uses national CareScout 2025 medians. A state code only changes the geography label and fallback note. ZIP prices are not invented.

Care at home

Published hourly benchmark: $35 (2025 national median).

Assisted living

Published monthly benchmark: $6,200 (2025 national median). Actual provider pricing varies with service level and what is included.

Known monthly support (optional)

Enter only amounts you already know. Do not guess eligibility.

Side-by-side planning comparison

Monthly and annual planning estimates. These are not guaranteed out-of-pocket costs.
ScenarioGross monthlyGross annualRemaining monthly
Home + 4 hrs/day$1,820$21,840$1,820
Assisted living$6,200$74,400$6,200

Home-care math: 4 hours/day × 3 days/week × $35/hour = $420 weekly, $1,820 monthly, $21,840 annual.

What drives this estimate?

Home + 4 hrs/day

Gross planning estimate: $1,820 / month, $21,840 / year.

User-entered support: $0 / month.

Remaining planning amount: $1,820 / month. This is not a promised out-of-pocket cost.

  • Published benchmark: $35 USD per hour (published median $35)
  • Source: CareScout (Genworth Financial, Inc.), 2025
  • Geography: National benchmark
  • Weekly cost = hours/day × days/week × hourly rate. Monthly cost = weekly × (52 / 12) = weekly × 4.333333333333333.
  • National median provider-reported rates collected July–November 2025. Not a 2026 price and not a facility-specific quote.

Assisted living

Gross planning estimate: $6,200 / month, $74,400 / year.

User-entered support: $0 / month.

Remaining planning amount: $6,200 / month. This is not a promised out-of-pocket cost.

  • Published benchmark: $6,200 USD per month (published median $6,200)
  • Source: CareScout (Genworth Financial, Inc.), 2025
  • Geography: National benchmark
  • Monthly total = published or custom monthly base + optional care/service add-on. Annual total = monthly × 12. One-time community fees are kept separate.
  • National median provider-reported rates collected July–November 2025. Not a 2026 price and not a facility-specific quote.

Questions to ask providers

Questions to ask about pricing and fees →

Home care

  • Is there a minimum shift?
  • What are weekend or holiday rates?
  • How is overnight care priced?
  • Are transportation or mileage charges separate?
  • When do care-level rate changes apply?

Assisted living / memory care

  • What is included in the base rate?
  • How are care-tier charges billed?
  • Are medication fees extra?
  • Is there an entrance or community fee?
  • How often can rates change?

SeniorTrustHub does not yet have equivalent national provider-level assisted-living or memory-care evidence coverage. Use these questions with local communities. This is not the same as the CMS-certified nursing facility directory.

Cost data & methodology

Methodology version senior-care-cost-planner-v1.

  • Private-pay medians: CareScout (Genworth Financial, Inc.), 2025 Cost of Care Survey (2025), national. View source
  • Medicare SNF cost-sharing: CMS 2026 Parts A & B fact sheet. Medicare may cover qualifying skilled care when requirements are met. This tool does not decide eligibility.
  • Monthly home-care conversion uses 52 / 12 weeks per month.
  • Limitations: national medians are not local quotes; custom rates replace the published value only when you enter them; household costs and eligibility are outside this calculator unless you type a known amount.