Educational planning tool

Long-Term Care Cost Calculator

Explore how a current estimate could change with time and inflation. Every assumption is visible and adjustable.

Your assumptions

These inputs are for planning education only.

Current ageStateCurrent estimated annual care costUse your own research or provider estimate. A $66,000 starting amount is shown for illustration only.Years until care may beginExpected years of careAnnual inflation assumptionSmall changes in this assumption can meaningfully affect a future estimate.

Your educational estimate

$317,824

Your projected long-term care exposure could be approximately this amount, based on 3 year(s) of care beginning in 15 year(s).

First estimated year of care$102,826

See ways to help protect against this cost

This is a simplified educational estimate. It is not a quote, policy illustration, coverage recommendation, financial projection, or prediction of actual care needs or costs.

Why estimates vary: Care costs depend on setting, local market, services included, provider availability, and future price changes. The Federal Long Term Care Insurance Program’s tool similarly notes that costs are general guidelines and actual provider costs may differ.

See the source methodology