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.
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.