Assisted Living Cost Calculator
Project assisted-living costs over time with inflation and benefits.
Last updated: November 5, 2026
Starting figures illustrate this model. Enter your own measurements, quoted costs and applicable terms; this page does not retrieve live prices or provider rates.
Estimated total care cost
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- Gross care cost: —
- Benefits and coverage applied: —
- Care duration: —
- Average monthly out-of-pocket: —
On this page
Quick summary: Project assisted-living costs over time with inflation and benefits.
Read the method, example and limitations
Updated reference sections in this guide are in English.
Guide language: English. Updated October 15, 2026.
What this calculator estimates
Project assisted-living costs over time with inflation and benefits.
Inputs and units
Enter Current monthly care cost ($), Years of care, Annual care-cost inflation (%), Monthly insurance or benefit coverage ($), One-time community or move-in fee ($). Use the units shown. Required fields cannot be blank. Use zero only where that field and the model allow it. Select Calculate after changing the values.
Method and assumptions
For each month, increase the entered monthly cost by (1+annual inflation/100)^(month/12). Add the entry fee and subtract monthly coverage up to that month's cost. A partial year is rounded up to a whole month.
Worked example
At 1,000 monthly for one year with 0% inflation, 100 monthly coverage and a 500 entry fee, gross cost is 12,500 and estimated household cost is 11,300.
Limitations
Prefilled costs are illustrative inputs rather than verified local prices. Coverage is assumed constant; eligibility and policy limits are not determined. The supported horizon is above zero and no more than 100 years.
Separate room charges from care charges
Confirm whether the monthly community quote includes the care level, medication administration and meals you need to budget. The model increases the care charge each year but keeps the entered monthly benefit unchanged. An entry fee is paid once; including it in both the monthly quote and the entry field would double count it.