Care · Senior Care
Nursing Home Cost Calculator
Use this to compare care settings and budget pressure before making calls.
Estimate nursing home monthly cost, annual cost, and five-year exposure with inflation assumptions.
Estimate inputs
Separate short-term skilled rehab from long-term custodial care. Coverage, daily rates, and family payment responsibility can change quickly.
About this estimate
Assumptions
- Rates vary by city, care level, shift length, and agency/facility.
- Medicare, Medicaid, VA, LTC insurance, and state programs can change out-of-pocket cost.
How this works, in detail
Care-cost planning boundaries
Care planning should compare settings, family workload, public benefits, tax/payroll obligations, safety, and respite. It should not promise eligibility or replace medical, legal, immigration, tax, or benefits advice.
- Medicare generally does not cover custodial nursing home care when custodial care is the only care needed.
- Hiring a household caregiver can create wage, overtime, Form I-9, payroll tax, and Schedule H obligations.
- Bringing a foreign caregiver is not a simple cost-saving shortcut. Lawful paths are limited and fact-specific.
Sources
Source links used for this calculator family.
- CMS 2026 Medicare Parts A and B premiums
- Medicare 2026 costs
- Medicare Part D costs and late enrollment penalty
- Medicare nursing home coverage
- IRS 2026 HSA limits
- IRS 2026 health FSA limits
- IRS Publication 926 household employer guide
- DOL domestic service fact sheet
- USCIS domestic workers Form I-9
- USCIS H-2B temporary non-agricultural workers
- DOL H-2B program
Source check and limits
Last source check: April 28, 2026
Scope checked: Care cost planning, Medicare long-term care boundary, and family-budget framing only; provider, plan, location, and eligibility details vary.
- Care cost and workload estimates vary by location, provider, care setting, health status, family support, benefits, and safety needs.
- This calculator helps organize questions and scenarios. It does not provide medical, legal, financial, benefits, or insurance advice.
Kefiw shows the assumptions used so you can audit the math before relying on the result. This tool does not provide legal, tax, payroll, accounting, medical, insurance, benefits, immigration, compliance, or provider-specific pricing advice.