Will the money last? Senior care cost calculator
Care costs are paid mostly out of pocket until savings run out — then Medicaid may take over. Estimate how long a parent's savings would cover care.
Estimated monthly shortfall
$7,081/mo
Savings would last about
1 yr 9 mo
That's under 3 years. Families in this position often need to plan for Medicaid eligibility now — the 5-year look-back means waiting is costly.
Understand your Medicaid options
Our Texas Care Funding Playbook explains spend-down, the homestead exemption, and the look-back rule in plain English. (Coming soon.)
Cost figures are national medians from the CareScout 2025 Cost of Care Survey and vary by metro area. This tool is educational and simplified — it does not model Medicaid rules, asset exemptions, or taxes, and is not financial or legal advice. See our methodology.