Senior Care Budget Worksheet
The question behind every senior care decision: how long will the money last? Enter monthly income, the care cost you're considering, and savings - this page does the runway math, including annual cost increases.
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Monthly income (theirs)
The care option
Use a written quote at the assessed care level, or estimates from our cost calculator.
Savings & assets available for care
The math
- Total monthly income
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- Monthly care cost
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- Monthly gap
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- Assets available
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- Runway
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Reading your number
Runway under 3 years: talk to an elder law attorney now about Medicaid planning - the 5-year look-back rewards early action - and ask every community whether they accept Medicaid after private pay. 3-7 years: you have options; compare communities on their Medicaid policy anyway, and read the full funding toolkit. Over 7 years: choose on fit, not fear - and still get the fee schedule in writing.
This is arithmetic, not financial advice. Costs rise with care needs, not just inflation - treat the runway as optimistic, and pressure-test big decisions with a fee-only financial planner or elder law attorney.