True Cost Planner

See the complete financial picture.

Compare remaining at home with a senior-living option using your own expenses, support needs, benefits, assets, and assumptions. Start with what you know; Basecamp keeps missing figures visible instead of silently treating them as zero.

Home scenario Senior living scenario Community or scenario name Planning for

Monthly cost

Remain at home

—Enter expenses to begin

Monthly cost

Senior living

—Enter expenses to begin

Current difference

Add both scenarios

—per month in this estimate

Guided True Cost1 of 6 · Home costsStart with what you know. You can leave anything unknown and come back later.

Home: housing and daily living

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Mortgage or rent Property taxes Homeowners/renters insurance HOA or condo fees Utilities Internet and television Maintenance and repairs Lawn, housekeeping and pest control Groceries and meals Household and personal supplies Transportation Other home expenses

Home: care and safety

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Paid care hours per week Hourly home-care rate Overnight care Medication management Medical-alert system Adult day or companion services Care management Respite or private-duty nursing

Estimate the optional replacement cost of unpaid family careFamily caregiving is not merely a financial transaction. This optional estimate only shows what similar paid support could cost.

Senior living: recurring costs

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Base monthly fee Care-level charges Medication management Second-person fee Apartment or room premium Utilities and internet not included Laundry and housekeeping extras Transportation and parking Personal/incontinence supplies Additional meals or dining Pet fees Other recurring services

One-time transition costs

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Community or entrance fee Deposit Moving and downsizing Furniture and initial supplies Storage Home-sale preparation Legal or contract review Other transition costs

Show one-time costs in the monthly comparisonSpreads transition costs across the selected planning horizon. Off by default.

Income, benefits, and available assets

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Social Security and pension income Long-term-care insurance benefit Veterans or other recurring benefits Rental or other monthly income Available assets Estimated home value Mortgage payoff Estimated selling costs (%)

Home-sale proceeds are treated as an asset conversion—not monthly income.

Optional monthly budget guardrails

Comfortable monthly amountMaximum sustainable monthly amount

Projection assumptions

Editable

Home expense increase per year (%) Home-care rate increase per year (%) Community rate increase per year (%) Additional paid-care hours each year Future monthly care-charge increase each year Planning horizon

These assumptions are planning inputs, not predictions. Small changes can materially affect long-range totals.

Summit analysis

What your numbers show

Updates live

Add costs to both scenarios and Basecamp will summarize the current difference without declaring a winner.

Care-hour break-even—Planning estimate

Monthly funding gap—Senior living

Estimated asset runway—Before home proceeds

Potential net home proceeds—Asset conversion

Estimated runway if the home is soldEntered assets plus estimated net proceeds—

Projected total cost

1, 3, and 5 years

	Home	Senior living
1 year	—	—
3 years	—	—
5 years	—	—

Home, 5 years

Senior living, 5 years

Before you rely on this

Questions to verify

Enter a few costs and Basecamp will identify the most important figures to confirm.

Educational planning estimate

This tool does not provide financial, legal, medical, or care-placement advice. It compares figures and assumptions you enter. Pricing, care charges, benefits, home values, availability, and annual increases can change. Confirm important figures directly before making a decision.