Plain-English elder care calculators for familiesmaking hard care decisions.
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This site does not require an account, name, email address, username, password, or public profile to use the elder care calculators.
Calculator entries may be saved only in this browser so you can come back later on the same device and update them.
Shared Journeys submissions run through automatic safety and relevance checks, then human review before anything appears publicly.
The site is not designed to sell personal data. PDF downloads are free and do not require an email address.
Use Clear saved data any time to remove saved calculator information and remembered Shared Journeys review status from this browser.
About+
Welcome to ElderCareDecision.com
Elder care decisions can turn into a pile of separate questions very quickly: How long can my parent afford care? Is home care really cheaper? Should we sell the house?
This site was built to make those questions easier to face. It keeps the experience plain-English, mobile-friendly, and focused on what the numbers may mean.
The goal is not to replace a qualified professional. The goal is to help you see your family's situation more clearly before you make a major care, Medicaid, housing, tax, legal, or medical decision.
ElderCareDecision.com tools work best when they do more than calculate. Each result should explain what you entered, what may be risky, what may be working in your favor, and what practical next steps are worth considering.
Shared Journeys adds another kind of context: anonymous family care experiences from people who have already faced surprises, tradeoffs, and painful timing decisions.
The site is maintained as part of the AnswerWorth network, with public sources, visible assumptions, and methodology notes used to keep the calculations easier to review.
Tools+
Choose one of the three elder care engines, select a level, enter the numbers you know, and click Calculate.
Quick Answer keeps inputs short. Detailed Analysis and Comprehensive Plan reveal more assumptions for users who want a fuller estimate.
Calculation details
Can My Parent Afford Assisted Living? estimates available assets, income, care cost, other expenses, monthly shortfall, care runway, conservative runway, and Medicaid planning urgency.
Home Care vs Assisted Living compares paid home care, family caregiving time, respite, transportation, home modifications, assisted living add-ons, and burnout risk.
Should We Sell The House? compares selling, keeping, renting, and reverse mortgage education estimates while flagging spouse, Medicaid estate recovery, repair, vacancy, and family disagreement concerns.
Results are estimates. They depend on the inputs, assumptions, and missing details shown in the result.
The Download PDF Report button creates a report from the last calculated engine result.
Shared Journeys+
Shared Journeys is an elder care experience library: practical examples that make tradeoffs around care costs, family caregiving, Medicaid planning, housing, and sibling decisions easier to recognize.
The current journeys cover care runway, home care, family caregiving burden, house decisions, Medicaid concerns, and unexpected care changes.
Open Shared JourneysComplete PDF Report+
The calculator results are free to view on this site.
The PDF is a free convenience export for users who want to save, print, or share their elder care calculation. It is an educational report based on the user's entries, not a professional financial, legal, tax, medical, Medicaid, or estate plan.
The PDF report includes the selected calculator, information entered by the user, main care answer, key numbers, care-cost estimate, family burden or home-equity assumptions, risk flags, strengths, weak spots, possible next steps, scenarios when available, assumptions used, and educational disclaimer.
Your results are free. PDF downloads are free and only for saving, printing, or sharing your report.
Click Calculate first so the PDF matches the most recent result shown on the page.
Ads are not included in the PDF report.
Disclaimer+
ElderCareDecision.com is an educational calculator and decision-support tool. It does not provide legal, financial, tax, Medicaid, insurance, medical, estate planning, or professional advice.
Results are estimates based on the information entered and assumptions shown. Care decisions depend on state rules, local care options, health needs, family capacity, taxes, housing, insurance, and personal circumstances.
Read full disclaimerCommon Questions+
Is this financial advice?+
No. ElderCareDecision.com is an educational calculator and decision-support tool. It can help organize assumptions, estimates, and possible next steps, but it does not provide legal, financial, tax, Medicaid, insurance, medical, estate planning, or professional advice.
Do I need an account?+
No. The site does not require an account, username, password, email address, or profile. Calculator entries are saved only in this browser on this device.
Where should I get care-cost numbers?+
Use care quotes, benefit letters, bank statements, and state Medicaid resources where possible. Broad care-cost estimates are a starting point, not a final local quote.
Why do the results show assumptions?+
Elder care planning depends heavily on assumptions like care cost, care inflation, family hours, home equity, Medicaid rules, and local care fees. Showing assumptions makes the result easier to question and update.
Can I export my result?+
Yes. After calculating an engine result, use Download PDF Report to export an ElderCare Report with inputs, key numbers, scenarios, possible next steps, assumptions, and the educational disclaimer. Your results are free; PDF downloads are free and only for saving, printing, or sharing your report.
Articles
Elder care articles by calculator
Read plain-English articles connected to the three ElderCareDecision.com calculators. These articles are educational context, not legal, financial, tax, Medicaid, insurance, medical, estate planning, or professional advice.
Calculator article
Care Runway
Care RunwayWhat Happens When My Parent Runs Out of Money for Assisted Living?Updated July 2, 2026Understanding the spend-down warning, facility payment questions, and why Medicaid timing matters before the account is emptyRead article 
Care RunwayMedicaid Spend-Down Explained in Plain EnglishUpdated July 2, 2026A gentle explanation of Medicaid spend-down, why eligibility varies, and why a calculator can only flag urgencyRead article 
Care RunwayHow Long Can Seniors Usually Afford Assisted Living?Updated July 2, 2026Why the answer depends on income, savings, care level, move-in fees, inflation, and whether memory care may be needed laterRead article Calculator article
Home Care Comparison
Home Care ComparisonIs Home Care Really Cheaper Than Assisted Living?Updated July 2, 2026Compare the visible price of home care with the hidden value of family time, safety risk, and full household costRead article 
Home Care ComparisonThe Hidden Cost of Family CaregivingUpdated July 2, 2026Family caregiving is loving work and real work at the same time — and understanding its full cost matters for planningRead article 
Home Care ComparisonWhen Does Family Caregiving Become Too Much?Updated July 2, 2026Recognize the point where family care may no longer be safe, sustainable, or fairRead article Calculator article
Home Equity Decision
Home Equity DecisionShould We Sell Mom or Dad's House to Pay for Care?Updated July 2, 2026Think through sale proceeds, care runway, spouse protections, and the emotional weight of the family homeRead article 
Home Equity DecisionRenting the House vs Selling It for Elder CareUpdated July 2, 2026Compare rental income with vacancy, repair, management, taxes, and the need for predictable care moneyRead article 
Home Equity DecisionReverse Mortgages and Elder Care: What Families Should UnderstandUpdated July 2, 2026Learn why reverse mortgage estimates should be treated carefully and verified before being used in a care planRead article