Free Tools for Families
Practical planning utilities to help you compare costs, prepare for conversations, and make confident senior care decisions, no account required.
Cost-of-Care Estimator
Compare the real monthly cost of aging at home versus professional care.
Staying at home
Professional care
Assisted living and retirement fees typically bundle housing, meals, housekeeping, activities, and a level of personal care.
Aging at home is about $67/month cheaper at this care level. As home care hours rise, professional care often becomes more cost-effective.
Estimates are for planning only and exclude one-time costs, subsidies, and tax credits. Speak with an advisor for a tailored plan.
More planning tools
Home Safety Audit
Walk through a room-by-room checklist and get a personalized safety report.
Open toolCare Conversation Guide
Scripts and prompts to help you start a caring conversation with a loved one.
Open toolPersonal Health Passport
Organize medications, conditions, and contacts in one printable document.
Open toolBenefits Finder
Discover provincial and federal benefits and subsidies seniors may qualify for.
Open toolCan Mom Afford to Stay at Home?
Estimate the yearly cost of care, the income shortfall, and a benefits-first plan to fund it.
Open toolPower of Attorney Planning Kit
Organize your power of attorney for property and personal care in one printable worksheet.
Open toolHome Renovation Tax Credit Calculator
Estimate the Home Accessibility and Multigenerational tax credits on a renovation for a parent, and what your family gets back.
Open toolOAS Clawback Calculator
Estimate the Old Age Security recovery tax on your income, how much OAS you keep, and how to reduce it.
Open toolEavestrough Cleaning Cost Calculator
Estimate what eavestrough cleaning costs a year for a parent's home in Ontario, with optional gutter guards.
Open toolFree planning tools, no account needed
Planning senior care can feel like a hundred decisions at once. These free tools break it into small, doable steps: compare the real cost of care at home versus a community, spot the safety risks in a parent's home, prepare for a hard conversation, organize their health details, and find the government benefits they qualify for.
Everything runs in your browser, nothing is sent to us, and each tool gives you something you can print and share. Start with the Benefits Finder or the Home Safety Audit, or read our complete care guides when you want to go deeper.
Prefer to talk it through?
Our advisors offer free, confidential guidance for your family's situation.