Calculator
How long will the money last at this level of home care
Put the aide hours, the hourly rate and your parent's monthly income in one place and see the real gap and the runway behind it.
Free tools
Free calculators for families paying for care at home
Two numbers decide most caregiving plans: what the paid hours cost each month, and how many hours nobody is covering.
Families almost never have the two numbers that matter in front of them at the same time. The agency quotes an hourly rate, the parent's Social Security deposit arrives on the third of the month, and the savings account is a figure nobody says out loud. Meanwhile the schedule has a hole every weekday between the aide leaving at two and a daughter arriving at six.
These calculators are free, they run in your browser, and nothing you type is sent anywhere. Use the first before you sign an agency agreement, and the second before a family meeting, when it helps to put the uncovered hours on the table instead of arguing about who is doing more.
Calculator
How many hours of your parent's week are uncovered
Count the hours your parent should not be alone, subtract everyone's actual contribution, and see what is left before the next family meeting.
Working document
The one page care handoff sheet for your parent's home
Fill this in once, keep it on the refrigerator, and any sibling, aide or paramedic who walks in can take over without a phone call.
Why the caregiving calculators are open to anyone
Families already do this arithmetic, usually at eleven at night on the back of a pharmacy receipt. Someone multiplies twenty aide hours by the agency rate, budgets it at four weeks instead of the 4.33 a month really runs, and lands a full month of care short by the fall. Someone else looks at the hole between the aide leaving at two and a daughter arriving at six and calls it a couple of hours, when the week actually says twenty. Nobody should have to hand over an email address to find that out about their own mother's schedule.
So there is no sign up and no account, the math runs in your browser, and nothing you type about your parent's income or aide hours leaves the page. Both calculators are worth something entirely on their own: print the runway before you sign the agency agreement, and bring the uncovered hours to the family conversation about who takes Thursday. If you never open the shared care log at all, you still walk away knowing what the paid hours cost each month and how many hours of the week nobody is covering.
Now that you have the hours and the monthly gap
A number of uncovered hours and a runway in months are the beginning of a care plan, not the end of one. A demo shows how those hours become named owners on a coverage grid, a medication list a substitute aide can follow, and a dated visit history you can read out at the cardiology appointment. Bring the figures the calculators just gave you and we will start there.