Plan with real numbers, privately
How long will your savings cover care?
The scariest money question deserves an honest, private answer. Move the sliders and watch the runway — how many months and years your savings would stretch against the typical Texas cost of care. Everything you type stays on your device; we never see a single number.
Typical TX — $5,666/mo for a one-bedroom (CareScout 2025). Your real cost may differ.
Everything the family could put toward care — savings, investments, funds you'd spend down.
Optional — Social Security, a pension, or other income that helps pay the bill each month. We subtract it from the cost.
How long your savings would cover care
Drawing about $5,666 a month from savings — against $5,666 a month for assisted living.
A planning estimate, not a quote. It assumes a steady monthly cost and does not account for rate increases, changing care needs, or investment growth. Averages orient you — they can't price your parent's actual situation.
Want the numbers behind the prefills? See the full Texas cost breakdown, every figure cited.
When the runway gets short
What happens when savings run low
A short runway is not the end of the story — it's the beginning of a plan. Almost no family pays for care from one source forever. Here, in plain English, are the doors families reach for when private savings start to thin. None of this is a promise of eligibility — it's a map of where to look.
Medicaid — the long-term safety net
For families who can't private-pay indefinitely, Texas Medicaid is the safety net that steps in as savings spend down. Qualifying turns on specific income and asset limits, and there's a five-year look-back on financial transfers — which is exactly why planning early matters so much more than planning late. The main doors have names worth knowing: STAR+PLUS, Community First Choice, and Primary Home Care.
We keep the dollar limits and rules off this page on purpose — they change every year, and the current figures belong to the official source. Verify with Texas Health and Human Services (hhs.texas.gov) or 2-1-1 Texas, and bring real money-and-house decisions to a qualified Texas elder-law attorney.
The deep guide: Texas Medicaid, in plain EnglishVA Aid & Attendance — for the families of those who served
If your parent is a wartime veteran or the surviving spouse of one, and needs help with daily activities, the VA's Aid & Attendance benefit can add a monthly amount on top of a VA pension to help pay for care. Many eligible families have simply never heard of it. We help and support our vets — it's personal for our family.
One thing you'll never hear from us: a promise about eligibility or amounts. Those decisions belong to the VA, and anyone guaranteeing you an outcome is someone to walk away from. Kendall will help you understand the benefit and point you to accredited, no-cost filing help — free. Verify current details at VA.gov.
The honest truth: averages aren't your bill
This calculator runs on typical Texas averages, and averages are averages. Your mom's actual town, her actual needs, and the actual community two miles from your sister will land somewhere no median can see. The runway above is a planning estimate to steady your thinking — not a quote, and not your future.
Kendall closes that gap for free. She knows the real local numbers across the Permian Basin — what things actually run, where the honest value is, and which funding doors fit your family. Ten minutes on the phone will do more for your budget than another hour of searching.
Educational information only — not financial, legal, or medical advice. Costs, program rules, and benefit details change; verify current specifics with the source cited, the relevant agency, or a qualified professional. Senior Source Guide is an independent local family service — not a government or Medicare program.
Averages public. Real numbers by call.
Now let's find your real local numbers.
Tell Kendall what's going on with your mom or dad, and she'll tell you what things actually cost around here — free, local, no pressure, and no obligation ever.
Kendall's guidance is free and independent — you are always free to choose any provider. We don't accept referral fees.