What is the Genworth Cost of Care Calculator?

The Genworth Cost of Care Survey is an annual study of long-term care costs across the US, including home care, adult day services, assisted living, memory care, and nursing homes. Genworth publishes a free calculator that lets families estimate costs in their state. The data is widely cited and considered the standard reference, though it is sponsored by an insurance company that sells LTC policies.

Why use an alternative calculator?

Reasons families look for alternatives: (1) Genworth's calculator collects an email and may follow up with insurance marketing, (2) the data is from the prior calendar year and may be out of date by ~12 months, (3) some users want a simpler interface without account creation, (4) some users want to compare across multiple care types and states more easily. Our 2026 calculator on this page is free, requires no account, and shows multiple care types side by side.

How accurate is this calculator?

Our 2026 calculator uses Genworth Cost of Care 2024 data adjusted forward 18 months for inflation (roughly +6-9% depending on care type and region), plus BLS wage data and state-specific Medicaid rate data where available. Real costs at any specific facility or agency can vary 20-40% from the state average. Always confirm with the specific provider before making decisions.

How does AveeCare relate to this calculator?

AveeCare is software for home care agencies, not a direct in-home care provider. We built this calculator as an educational tool. The actual hourly rate a family pays depends on the agency, geography, service type, and payer — not the software the agency uses. We do not collect emails or sell insurance.

Cost Calculator

Genworth cost of care calculator alternative: 2026 free tool

A free Genworth cost of care calculator alternative for 2026. No email required. Adjusted to 2026 inflation. Compares home care, AL, memory care, and SNF side by side.

By Calvin Nesvig, Founding Partner·Updated May 3, 2026·5 min read

Quick answer

Free, no email required. Estimate home care, adult day, AL, memory care, nursing home costs in your state.
Adjusted to 2026 from Genworth Cost of Care 2024 + 18 months inflation.
Compare 6 care types side by side across all 50 states.
No insurance marketing follow-up. We do not collect emails or sell insurance.

Quick answer Live calculator AveeCare role FAQ

Free 2026 cost-of-care calculator

Cost of care calculator (2026)

State

Hours/week of home care20 hrs

Home care

$2,429/mo

20 hrs/wk

Adult day (full month)

$1,683/mo

Assisted living

$4,675/mo

Memory care

$6,375/mo

Nursing (semi)

$7,650/mo

Nursing (private)

$8,874/mo

Estimates from Genworth Cost of Care 2024 data adjusted to 2026. Actual costs vary 20-40% by specific provider.

AveeCare's role

AveeCare is software for home care agencies, not a direct in-home care provider. The hourly rate a family pays depends on the agency, geography, service type, and payer.

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Frequently asked questions

Sources

Accessed May 3, 2026.

Calvin Nesvig

Founding Partner, AveeCare

Builds home care software full-time and works with home care agencies on workflow and software fit every week.

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