Free Planning Tool

Senior Care Cost Calculator

Estimate monthly care costs based on your loved one's needs, location, and care type — in under a minute.

Location & Care Type
Care Needs
Additional Costs
Your Estimated Care Costs

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Common Questions About Senior Care Costs

Based on 2025 national data

The national average is approximately $4,500/month in 2025, ranging from $3,000 in lower-cost states to $7,000+ in the Northeast and West Coast. Costs vary by amenities, room type, and level of care required.
Memory care averages $6,200/month nationally — roughly 35% more than standard assisted living. The higher cost reflects specialized dementia-trained staff, secure environments, and structured programming.
In-home care costs scale with hours. Part-time (4 hrs/day) averages $1,600/month. Full-time (8 hrs/day) runs around $3,200/month. Around-the-clock live-in care can reach $7,500+ per month depending on your region.
Medicare does not cover assisted living or memory care facility costs. It may cover short-term skilled nursing following hospitalization. Medicaid covers long-term care for income-qualified individuals. Long-term care insurance and Veterans Aid & Attendance are other major options.
Skilled nursing facilities average $8,500/month for a semi-private room and over $9,500 for a private room nationally in 2025. This is the highest-cost care setting and varies widely by state — from $6,000 in some Southern states to $14,000+ in the Northeast.

Estimates are based on 2025 national averages from Genworth Cost of Care data and may vary significantly by provider, location, and individual needs. This tool is for planning purposes only — not a guarantee of actual costs.

A free resource from Elder Days — helping families navigate senior care with confidence.