The True Cost of Dementia
Most families underestimate the lifetime cost of dementia care. By the time expenses become urgent, options have already narrowed.
This calculator gives you a realistic and personalized projection so you can plan ahead, not react.
All projections are based on published data from the Alzheimer's Association (2025), Genworth/CareScout Cost of Care Survey (2024), and AARP caregiver research (2026). No information you enter is stored or shared.
The True Cost of Dementia
This helps us estimate how long your assets cover projected costs and when Medicare eligibility may apply.
Tell us about the care situation so we can personalise the financial projection.
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Tell us about your situation
Disease stage and age determine the care timeline we use for your projection.
Your financial picture
This helps us estimate how long your assets cover projected costs and when Medicaid eligibility may apply.
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These numbers are hard to look at. Knowing them now is how families protect what they've built.
Estimated total true cost
Over 9 years
Disease progression timeline
Cost breakdown
Family financial burden
Year-by-year asset depletion
| Year | Stage | Starting Assets | Annual Cost | Remaining |
|---|---|---|---|---|
| 1 | Early / Mild | $350,000 | $20,848 | $327,152 |
| 2 | Early / Mild | $23,152 | $30,060 | $293,842 (↑) |
| 3 | Early / Mild | $293,862 | $30,895 | $158,624 |
| 4 | Middle / Moderate | $299,917 | $102,685 | $58,424 |
| 5 | Middle / Moderate | $156,426 | $107,762 | $48,664 |
| 6 | Middle / Moderate | $48,664 | $112,550 | $0 |
| 7 | Middle / Moderate | $0 | $116,003 | $0 |
| 8 | Late / Severe | $0 | $168,718 | $0 |
| 9 | Late / Severe | $0 | $129,967 | $0 |
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Resources & Next Steps
Built by the research team at OptoCeutics
Disclaimer: This calculator provides estimates for educational and planning purposes only. It is not financial, legal, or medical advice. Actual costs vary by location, provider, disease progression, insurance, and individual circumstances. Medicaid rules vary by state and change annually. Always consult qualified professionals.
Sources: Alzheimer's Association 2025 Facts & Figures · Genworth/CareScout 2024 Cost of Care Survey · AARP Valuing the Invaluable 2026 · Medicaid Planning Assistance 2026.
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