Compare senior housing options against staying at home with support.
Staying at home appears cheaper until care needs escalate, since home care is charged by the hour and rises steeply with dependency. Entrance fees need a long enough stay to amortise. The comparison usually turns on projected care needs rather than current ones, and a move made after a crisis costs far more than one planned in advance.
Senior Housing Cost
Total = entrance fee + monthly fee × months, compared against home costs plus care
This is a general illustration, not financial, tax or legal advice. Rules, thresholds and rates vary by jurisdiction and change frequently, and individual circumstances materially affect outcomes. Consult a qualified adviser before making any decision based on these figures.
Total = entrance fee + monthly fee × months, compared against home costs plus care Staying at home appears cheaper until care needs escalate, since home care is charged by the hour and rises steeply with dependency. Entrance fees need a long enough stay to amortise.
The comparison usually turns on projected care needs rather than current ones, and a move made after a crisis costs far more than one planned in advance.
This calculator takes 6 inputs: Housing option, Monthly fee, One-off entrance fee, Current housing monthly cost, Home care cost if staying, Years expected in this arrangement. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.