Care Costs
$27/hr is the national median home aide rate
Siblings
2
Split care costs by income. Credit the sibling doing the actual caregiving.
$27/hr is the national median home aide rate
Free calculator for one-time splits. Paid tracker for ongoing families.
Each sibling pays proportionally to what they earn. The one making $120k pays more than the one making $40k.
The sibling doing hands-on care gets credited at home health aide rates. Their share drops accordingly.
Log medical bills, home aide costs, prescriptions. Running total updates automatically for everyone.
First of the month, everyone gets an email with what they owe. Dashboard shows who paid and who didn't.
Total care costs, each sibling's income, and caregiving hours. Takes 2 minutes.
Calculator splits costs by income and credits hands-on caregivers. Transparent math.
Send a link or PDF to your siblings. Or sign up to track expenses and payments monthly.
Here's the problem. Your parents need care, and you and your siblings need to figure out who pays what. Splitting it equally sounds fair until you realize one sibling makes three times what another does. Financial planners and elder law attorneys pretty much all recommend an income-proportional approach to splitting caregiving expenses. That's what this calculator does.
Three siblings. One makes $120k, one makes $45k, one makes $30k. Monthly care bill is $4,500. Split that equally and you're asking the sibling making $30k to pay the same $1,500 as the one making $120k. That's not sustainable. An income-based caregiving split means everyone pays what they can actually afford, which is how you keep this going for years without someone going broke or getting resentful.
In most families there's one sibling who lives nearby and does the real work. Driving to appointments, managing meds, handling the daily stuff. This caregiver time credit calculator puts a dollar value on those hours. Default is $27/hr (national median home aide rate, adjustable). A sibling doing 15 hours a week of care gets roughly $1,750/month in credit against their share. Because that work is worth real money and everyone knows it.
Enter total monthly care costs. Add each sibling's annual income and weekly caregiving hours. The calculator figures out proportional shares, applies caregiving credits, and redistributes the remainder so the full bill is covered. If a sibling doesn't want to share their income, they get an equal per-person share instead.
Once you've got numbers, share the link or download a PDF. Having actual figures from a transparent formula makes the conversation about splitting parents' care costs way less painful. A lot of families use this caregiving expense sharing breakdown as a starting point, then get an elder law attorney to make it official.
This is a planning tool, not financial or legal advice. If you need a binding agreement, especially around Medicaid planning, talk to an elder law attorney. Your local Area Agency on Aging can help you find one.
The fairest approach is income-proportional splitting: each sibling pays a percentage of the total care bill equal to their share of the combined family income. A sibling earning 60% of the combined income pays 60% of the costs. This is what elder law attorneys and financial planners typically recommend.
The calculator credits caregiving time at the national median home health aide rate ($27/hour by default, adjustable). If a sibling provides 15 hours a week of direct care, that's roughly $1,750/month in credit subtracted from their share. The remaining cost is redistributed among the other siblings.
Siblings who opt out of income-based splitting get an equal per-person share instead. Just uncheck 'Share income' for that sibling and the calculator handles it.
No. SibSplit is a planning tool, not legal advice. Many families use the calculator results as a starting point, then work with an elder law attorney to create a formal Personal Care Agreement. We have a guide on what those agreements should include.
The Family Tracker ($14.99/month) adds a shared dashboard where siblings log expenses, track payments, and get monthly email reminders. Only the admin pays. Invitees join free via magic link.
In 2024, the national median cost for a home health aide is about $27/hour ($5,900/month for 40 hours/week). Assisted living averages $4,500–$5,500/month. Nursing home care averages $8,000–$9,500/month for a semi-private room. Costs vary widely by state.
The calculator is free. The family tracker is $14.99/month. Less than $4/person for a family of four.