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Calculate the annual cost of ageing in Canada in less than 30 seconds

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Health Status Definitions

Household Home Care Needs:

Receiving care services at home—such as personal support, meal preparation, nursing or housekeeping—can vary widely based on individual needs.

Based on real-world evidence, the NIA draws on multiple data sources to estimate both the typical cost of home care services and the number of hours older adults commonly require for tasks such as housekeeping, meal preparation and nursing care. Please select the option that best reflects your situation.

Household Size
Where You Live
Household Home Care Needs
Region

About This Tool:

The Cost of Ageing (COA) Calculator is a not-for-profit research resource independently developed by the National Institute on Ageing (NIA) at Toronto Metropolitan University to support research, policy analysis, education and informed public discussion about ageing in Canada.

The COA Calculator reflects the independent research and analysis conducted at the NIA and is intended to serve as a permanent public-interest research resource. We encourage its widespread use—and the use of its data and results—for non-exclusive, informational purposes, provided that appropriate attribution is given. Any use of the content—whether in whole or in part—must be properly cited.

Use of the COA Calculator as an informational resource by individuals and organizations, including financial professionals, is permitted. The COA Calculator, its methodology and its underlying data are research outputs of Toronto Metropolitan University and remain under the stewardship of the National Institute on Ageing. Any redistribution, adaptation, licensing or incorporation of the tool or its content into proprietary or commercial products requires prior written permission from the NIA, in accordance with university policies.

How to Cite the COA:

National Institute on Ageing. Cost of Ageing Calculator. Toronto Metropolitan University. Research led by Bonnie-Jeanne MacDonald and He Chen.

When referencing or reproducing results from the COA Calculator, users should acknowledge the National Institute on Ageing and the tool’s research leads, Dr. Bonnie-Jeanne MacDonald and He Chen.

Important Note:

While this tool provides personalized estimates of ageing-related costs to support planning and discussion, the NIA cannot address questions or issues relating to individual financial or retirement circumstances.
Use of the COA Calculator does not imply endorsement by the National Institute on Ageing or Toronto Metropolitan University.

Planning for Your Future:

Preparing for the future means planning for the changes that ageing can bring. The Cost of Ageing (COA) Calculator is designed to help Canadians better understand how living costs may evolve in later life.

As people age, financial needs and expenses can shift significantly due to health, living arrangements, lifestyle and broader economic conditions—factors that traditional retirement planning often overlooks. The COA Calculator helps address these gaps by providing detailed estimates of potential costs, including food, housing, transportation, home care and day-to-day living expenses, tailored to different circumstances across Canada.

About the NIA:

Founded in 2016, the National Institute on Ageing (NIA) is celebrating a decade of impact in our mission to improve the lives of older adults and the systems that support them. Over the past 10 years, the NIA has become Canada’s leading voice on ageing policy — convening stakeholders, conducting research, advancing policy solutions and practice innovations, sharing information and shifting attitudes.

Our vision remains clear: a Canada where older adults feel valued, included, supported and better prepared to age with confidence.

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Now, more than ever, is the time to adopt better measures of how much people need to retire, whether it’s to help people financially plan or evaluate our retirement income systems.

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