Funeral & Cremation Cost Calculator

Estimate the realistic cost of a funeral or cremation — separating the funeral-home bil from cemetery & out-of-pocket costs, plus a preplanning savings plan.

NFDA 2023 medians — not a quote. confirms with a local provider's General Price List.

Your arrangement

These fields drive the line-item cost engine.

Disposition method

Type of service

Casket type

For cremation with a viewing, the rental casket is used.

Urn option (cremation)

State / region

Regional index applies to the funeral-home subtotal only.

Preplanning

Years until needed (optional)

Add-ons

The cemetery & extras layer is the "hidden" cost most people forget.

Embalming & body prep

Generally not required by law; auto-off for direct cremation.

Burial vault / liner

+$1,695 typically.

Cemetery items: plot + opening/closing + headstone

Typical suburban plot ~$2,200.

Reception / food for guests

Printed programs & oficiant

Why the two-part total matters: national medians (NFDA $8,300 burial / $6,280 cremation) are the funeral-home bil only — they exclude cemetery, vault, monument, flowers, obituary. A realistic all-in burial runs $12,000–$15,000+.

Data sources (2023–2026): NFDA 2023 General Price List Study, NFDA 2024 Cremation & Burial Report, WhatDeathCosts (9,638 reports, May 2026), officialobituary, smarttechinvest, funeralcostanalyzer, asurgo. Prices are medians — same service can cost 2–5× more. FTC Funeral Rule requires itemized pricing.