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Who Pays for Mom's Care? Sibling Fair-Share Toolkit
21-page US & UK workbook + 9-tab Excel: care budget, savings runway, fair-share split with care-hour credit, 5-year forecast, expense log, UK means-test tab, meeting scripts & a family care agreement.
💳 Get the Toolkit ($27) · Card / Apple Pay →Secure Gumroad checkout opens in-page. PDF + Excel delivered instantly. Educational tool, not legal or financial advice.
Frequently Asked Questions (Aging Parent Care Cost & Sibling Fair-Share Calculator)
How do siblings fairly split the cost of a parent's care?
Add up the family cash need (care cost minus the parent's income and planned savings draw), add the value of everyone's hands-on care hours, split that total burden by each sibling's spare income after essentials, then subtract the care each person already gives. The cash amounts always add up to exactly the family's need.
Should the sibling who provides hands-on care also pay an equal share?
An equal split ignores unpaid care. Replacing 15 hours a week of family care at the 2025 US median of $35/hour would cost about $2,275 a month, so many families give the main caregiver a credit, or even reimburse her, instead of charging her an equal share.
Are adult children legally required to pay for a parent's care?
In the UK, no. In the US, about half of states still have filial responsibility laws, but they're rarely enforced. Most family splits are voluntary agreements, so a clear written method matters more than the law. This calculator is educational only; ask an elder law attorney about your state.
How long will my parent's savings last in a UK care home?
In England, self-funders pay full fees until capital falls to the £23,250 upper limit. At the 2025 average of £1,298/week, with £1,650/month in pensions and £114.60/week Attendance Allowance, £180,000 of savings lasts about 45 months.
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