Aging Parent Care Financial Planner

Care costs vary dramatically by state and care type. This planner combines facility or home-care costs with the often-invisible career impact on the family caregiver to give you the true annual picture.

Location & Care Type

Parent's state

Care type

Estimated years of care

% covered by insurance/Medicare

Medical & Ancillary Costs

Monthly medications OOP ($)

Doctor visits / year

Per-visit copay/cost ($)

Home adaptations ($)

Family Caregiver Career Impact

Caregiver annual salary ($)

Hours/week on caregiving

Hours/week of work reduced

Annual Care Cost Estimate

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updates as you type · out-of-pocket after insurance

Your State Benchmarks

Full Cost Breakdown

Data sources & methodology: Care facility costs from Genworth Cost of Care Survey 2023. Caregiver career impact methodology based on AARP Public Policy Institute research on caregiving and employment. Figures represent median costs — actual costs vary by provider, level of care, and individual circumstances. Full disclaimer →

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Data reference (Canada): Provincial LTC co-pay schedules; CMHC seniors housing reports; Home & Community Care programs (2025-26) · figures as of 2026-06 · Compiled from official public sources via AI-assisted research, current to 2025-26; latest available data, not individually verified - general information, not advice.. See our methodology for how every figure is sourced and dated.

🔒 Calculations run 100% in your browser — we never see your numbers 📊 Built on primary-source data (see references above) 🔄 Reviewed 2026 · methodology · disclaimer

Annual Care Cost Estimate

Full Cost Breakdown

Chronic Illness Annual Cost Calculator