Financial guidance tool
Cost of Waiting Impact Calculator
Families often delay a move for understandable reasons, but the financial cost of waiting is rarely neutral. This calculator compares moving now against six more months of the current care setup plus a higher future memory care rate.
Use it as a pressure test, not a scare tactic. The goal is to make cash-flow timing visible before a crisis compresses your options.
24-month impact snapshot
Cost of waiting impact
Compare the cash impact of moving now versus holding the current care setup for six more months and then paying a higher rate.
Move now spend
$169,729
Moving now runs the liquid-asset cushion down around month 24.
Wait 6 months spend
$165,127
Waiting six months stays funded through 24 months, but at a higher later move-in rate.
Waiting premium
-$4,602
Assets after 24 months change by $1,673 when you wait instead of moving now.
Timeline checkpoints
| Month | Move now assets | Wait assets | Wait track |
|---|---|---|---|
| 1 | $83,100 | $88,800 | Current support |
| 6 | $65,684 | $82,800 | Current support |
| 12 | $43,858 | $54,544 | Community after waiting |
| 18 | $20,995 | $28,679 | Community after waiting |
| 24 | $0 | $1,673 | Community after waiting |