Senior Living Cost Calculator – Home vs CCRC vs Nursing Home

Later-life housing calculator

Compare how different later-life housing choices could affect your money. Test staying at home, moving into a continuing care retirement community, or entering nursing care and see how each path changes long-term retirement costs and how long savings last.

How this calculator works. Three exclusive runs share the same savings and spending. This page does not add housing cells to How long. Each path is a separate plan: stay home, CCRC, or nursing.

Limitations. Educational projection only. Facility fees, care needs, and health can move far from any entered rent. Last reviewed September 2026.

Free to use · No account required · Assumptions shown · Educational planning tools

Your entered plan

Ages, savings, lifestyle, healthcare, and guaranteed income. Lifestyle should already include the housing you have now. Pension at $0 is skipped.

Current age

Full-time work ends

Plan through ageLongevity target, not a prediction. First person when two persons is on.

Current retirement savings

Annual savings until retirementSame dollar amount each year unless you turn on the inflation toggle below.

Lifestyle spending / yearHousing, food, travel — not medical.

Healthcare spending / yearPremiums + out-of-pocket today.

Social Security / yearToday’s dollars, with COLA (rises with general inflation).

Social Security starts

Pension / yearLeave at 0 to skip. COLA is on unless you turn it off.

Pension starts

Pension COLAOn = this pension rises with inflation. Off = a fixed annual amount.

Facility rents to compare

Each rent is its own path. Stay home uses none of them. They are not stacked on one run, and they are not added as more cells on How long.

Continuing care rent / yearCCRC monthly fees, annualized. Takes priority if set.

Continuing care starts

Nursing home / yearReplaces senior rental from this age.

Nursing home starts

▶Rates

Same market and inflation rates as the other tools.

General inflation

Healthcare inflation

Return before retirementGrows current savings (future value) and annual deposits until full-time work ends. Deposits stay level unless the inflation toggle is on.

Return in retirement