Massachusetts Nursing-Home Cost & Spend-Down Calculator
Nursing care in Massachusetts can run well over $12,000 a month. See how long your savings would last, and when you would reach the MassHealth limit, the moment that matters most for protecting what is left.
This calculator provides estimates only, not legal, financial, or Medicaid planning advice. It uses average 2025 Massachusetts care costs and 2026 MassHealth figures, and cannot account for your exact assets, income, exempt property, or the planning strategies that may protect them. For a complete review, schedule a consultation.
Cost of Care
Type of Room
$
Prefilled with the 2025 Massachusetts average (Genworth): semi-private about $12,167/mo, private about $13,992/mo. Adjust to your facility if you know it.
Your Finances
Marital Status
Savings & Income
$
Bank accounts, CDs, investments, and similar. Do not include the primary home, one vehicle, or personal belongings.
$
Income offsets the monthly cost of care, so savings are spent more slowly.
Your Spend-Down Estimate
Updates as you enter values on the left.
Enter your savings on the left to see how long they would last.