Staying at home as you age has a price tag — but it’s rarely the one people fear, and it’s almost always less than a care home once you count the subsidies. Use this estimator to get a realistic annual number for your province, see the grants and tax credits you likely qualify for, and compare aging in place against long-term care and retirement residences.
What will aging in place cost?
A quick estimate for staying at home — home care, modifications, and the subsidies you may qualify for. Rates verified July 2026.
The subsidies most families miss
Get Sarah's weekly note — what care actually costs, and the grants and credits that quietly cut the bill. No fluff, no spam.
Estimates only. Rates verified July 2026 against official provincial/federal sources. Costs vary by city, provider, and individual circumstances. Confirm current figures with the linked government sources before making financial decisions.
How this estimate works
The calculator uses current 2026 rates verified against official provincial and federal sources — private home-care hourly rates, government-set long-term-care charges, retirement-home ranges, and the modification grants and tax credits available in each province. It covers Ontario, British Columbia, Quebec, and Alberta, where roughly 87% of Canadians live. More provinces are coming.
It’s an estimate, not a quote. Real costs depend on your city, the provider you choose, and your income — especially for income-tested subsidies. For the full breakdown behind these numbers, read the detailed cost guide for your province: