Funeral Costs Calculator

Use our free funeral costs calculator to estimate the cost of your funeral and final expenses.

Matthew Jones Matthew Jones Writer and Editor
Jeff Hoyt Jeff Hoyt Editor in Chief

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Funeral and Burial Costs

Many people don’t plan accordingly for their funeral and burial. If you want to ensure that your family is not overwhelmed or financially burdened by your passing, it’s extremely important to calculate funeral and burial costs ahead of time. According to the Federal Trade Commission, a casket alone could cost anywhere between $2,000 and $10,000.1 For this reason, many seniors acquire a life insurance policy that provides funds for immediate expenses like funerals.

While our calculator can do the math on your behalf, you’ll likely need to do some research beforehand on your own. This is because the cost of different funeral services and burials can vary based on your location and provider. A funeral in New York, for example, might be more expensive than a funeral in Mississippi. Try to call funeral homes in your area to get an estimate or rundown of the cost of different services. Then, use our calculator below.

Other Final Expenses

The funeral and burial are not the only final expenses that you’ll need to consider. Hospice care and legal fees to execute your will could also be included in final expenses. However, these costs are less predictable and may depend on things like your medical history and the complexity of your estate plan. As a result, you may want to talk with your family and a trusted financial advisor about the costs of final expenses that go beyond the funeral and burial.

Pro Tip:

Pro Tip: Want to get your finances in order as soon as possible? Check out our guide to finances for seniors.

How to Use Our Funeral Costs Calculator

Our funeral cost calculator requires various inputs spread across five categories – professional services, facilities and staff services, transportation services, merchandise, and other expenses.

Professional Services

  • Basic services of funeral director and staff
  • Embalming
  • Other preparations of the body

Most funeral homes provide an itemized list of services and their costs. If you can’t get specific numbers, you can often get estimates by calling funeral homes in your area. Unless you’ve helped manage the cost of someone else’s funeral, the best way to find these figures is to do some research and contact multiple funeral service providers.

Did You Know?

Did You Know? In 2021, the median cost of a funeral (with viewing and burial) was $7,848.2

Facilities and Staff Services

  • Viewing and ceremony
  • Cemetery and graveside

This category can get complex because it can include fees from various people and entities. You will need to pay the cemetery directly for the grave plot. If you choose a graveside ceremony instead of a traditional viewing and indoor ceremony, you may lower your overall costs. Alternatively, you might choose to have a traditional viewing, ceremony, and a graveside ceremony. Regardless of how you arrange the funeral, you’ll likely have to pay fees to the funeral service provider, cemetery, and person or religious leader who conducts the ceremony.

Transportation Services

  • Transfer remains to the funeral home
  • Hearse
  • Limousine

Most transportation will come in the form of itemized services provided by the funeral home. However, if you want a limousine for the bereaved, you will likely need to hire from a separate provider of limousine services.

Merchandise

  • Casket or cremation urn
  • Burial or urn vault
  • Memorial or tombstone

Choosing between cremation and a traditional burial will also affect the cost of the funeral. Burials tend to be more expensive than cremations, in part because the burials include large caskets, grave plots, and tombstones. These are generally offered through distinct providers, so you’ll need to contact funeral homes, cemeteries, and professional masons to get exact quotes.

Other Expenses

  • Burial clothing
  • Floral arrangements
  • Food
  • Airfare and accommodation
  • Other

Some of these expenses may not apply to your plans, but it’s important to consider additional costs that could increase the total price of your funeral. If you plan to bring relatives in from another state, for example, you’ll need to think about the cost of flights and hotels.

FAQs About Funeral Costs

  • Is $10,000 enough for a funeral?

    $10,000 could certainly be enough for a funeral, depending on the nature of the ceremony and the area where you live. If you opt for a cremation and relatively simple ceremony, $10,000 would likely cover the cost.

  • What is the biggest expense of a funeral?

    The casket is by far the most expensive cost associated with funerals. However, you don’t have to choose the most expensive casket you find. As previously mentioned, you may be able to find caskets for as little as $2,000, or forego the cost entirely by opting for cremation (which only requires an urn for the remains).

Citations
  1. Federal Trade Commission. (2012). Funeral Costs and Pricing Checklist.

  2. National Funeral Directors Association. (2023). Statistics.

Written By:
Matthew Jones
Writer and Editor
Matthew is a freelance writer who has written on a wide range of topics, from personal finance to nutrition. Over the past three years, Matthew has worked extensively on articles and guides for seniors related to Medicare, insurance, and finance…. Learn More About Matthew Jones
Reviewed By:
Jeff Hoyt
Editor in Chief
As Editor-in-Chief of the personal finance site MoneyTips.com, Jeff produced hundreds of articles on the subject of retirement, including preventing identity theft, minimizing taxes, investing successfully, preparing for retirement medical costs, protecting your credit score, and making your money last… Learn More About Jeff Hoyt
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