Genworth cost of care calculator alternative: 2026 free tool

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.

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collects an email and may follow up with insurance marketing, (2) the data is from the prior calendar year and may be out of date by ~12 months, (3) some users want a simpler interface without account creation, (4) some users want to compare across multiple care types and states more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.

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.

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.