Eldercare Cost Calculator
Compare multi-year eldercare cash costs for home care, assisted living, and nursing, plus the value of family caregiver hours.
Enter Your Values
Using shared profile · 3,500/mo · EUR — edit on Dashboard
Results update automatically as you change values.
What-If Scenarios
Results update instantlyCost Breakdown
5-Year Care Costs
Click chart to expand
Scenario Analysis
How the outcome shifts if your assumptions turn out better or worse than expected.
Favorable assumptions
Based on your inputs
Higher costs / lower savings
Compare Scenarios
Pin up to 3 and see them side by sideSet your inputs, then Pin current to save this scenario. Pin a few variations to compare their scores and outcomes here.
What Moves the Needle Most
How much each factor changes your Home Care 5-Year across its full range. Years has the biggest impact.
Focus your attention on Years — getting it right matters most. Factors lower down move the result less, so rough estimates there are fine.
Confidence & Assumptions
The outcome is fairly stable across best and worst cases — this is a robust decision.
Home Care 5-Year: €168,000 (worst) → €168,000 (expected) → €168,000 (best)
These are the estimates the result depends on. Adjust them (and the Advanced inputs) to match your real situation — the closer they are to reality, the more reliable your decision.
These estimates are for informational purposes only and do not constitute financial advice. Actual results may vary based on factors not captured in this calculator.
How This Calculator Works
What this calculator does
Estimates multi-year cash costs for home care, assisted living, and nursing, and adds the economic value of family caregiving hours on the home path.
How the calculation works
Each facility path is monthly × 12 × years. Family time = hours/week × 52 × hourly value × years. Home all-in adds family time to paid home care.
Formula
PathTotal = Monthly × 12 × Years FamilyTime = Hours/Week × 52 × €/hr × Years HomeAllIn = HomeTotal + FamilyTime
Example
€2,800 home vs €3,500 assisted vs €5,500 nursing over 5 years, plus 10 hrs/week family care at €25/hr — compare cash paths and home all-in.
How to Use This Calculator
- 1Enter your numbers
Fill in the inputs for Eldercare Cost Calculator. Defaults are realistic starting points — replace them with your actual figures.
- 2Understand the calculation
Each facility path is monthly × 12 × years. Family time = hours/week × 52 × hourly value × years. Home all-in adds family time to paid home care.
- 3Review results and scenarios
Check metrics, cost breakdown, comparison tables, and best / expected / worst scenarios. Use sliders to stress-test assumptions.
- 4Decide with the verdict
Read the decision engine recommendation and FAQ. Example: €2,800 home vs €3,500 assisted vs €5,500 nursing over 5 years, plus 10 hrs/week family care at €25/hr — compare cash paths and home all-in.
Factors to Consider
- Care intensity often rises over time
- Long-term care insurance limits
- Caregiver burnout risk
- Housing equity and state aid rules
Common Mistakes
- Comparing sticker months only
- Leaving family time unvalued
- Planning only one year of need
- Ignoring escalation toward nursing care
Frequently Asked Questions
Should I value family caregiving time?+
Yes for true economic cost — even unpaid hours have opportunity cost and burnout risk.
Which path is cheapest?+
Cash-wise the tool highlights the lowest facility total. Home all-in often looks different once family hours are priced.
Is this care advice?+
No — a financial and time-cost planner only. Clinical and legal planning need professionals.
This calculator provides estimates for informational purposes only and does not constitute financial, investment, tax, or legal advice. Always consult a qualified professional before making important financial decisions.
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