See our blog post for the story of this calculator.

Warning: this tool is designed to be used on a larger screen.

Investment-Adjusted Senior Living Cost Calculator

Compare true costs including opportunity cost of move-in fees over 15 years

Financial Assumptions

Total Available Assets ($) *

Total liquid assets available for senior living expenses

Annual Investment Return (%)

Conservative portfolio return (typical range: 4-8%)

Capital Gains Tax Rate (%)

Long-term capital gains rate (typically 15-20% federal + state)

Living Options

Option 1

Option Name

Move-in Fee ($)

One-time entrance or community fee

Monthly Rate ($) *

Base monthly fee for housing and care

Annual Rate Increase (%)

Expected yearly increase in monthly rates

Additional Monthly Expenses ($)

Extra services, care levels, amenities

This calculator builds on the factors outlined in our Washington senior care cost overview, including annual increases, move-in fees, and long-term affordability.

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About

Washington Senior Care Overview

Free Cost of Care Guide

(206) 669-7191

Silver Age Senior Living Advisors is a trusted senior referral and placement agency helping families make informed decisions about in-home care, retirement communities, assisted living, adult family homes, skilled nursing facilities, and memory care.

Serving Bellevue, Bothell, Everett, Kirkland, Redmond, Renton, Bonney Lake, and communities throughout Greater Seattle and Western Washington, our advisors personally visit local providers to understand their care quality, culture, and Medicaid participation.

We guide families through every step—from identifying appropriate care settings to planning for costs and transitions—so each move feels confident, supported, and well-timed.