Long-Term Care Cost Calculator
Last updated: July 2026
Project future long-term care costs and estimate the funding gap after savings and existing coverage.
Estimated future funding gap
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- Projected monthly care cost: —
- Projected total care cost: —
- Existing coverage over care period: —
- Savings applied: —
On this page
Quick summary: Project future long-term care costs and estimate the funding gap after savings and existing coverage. Enter realistic assumptions and compare more than one scenario before making a financial, insurance or home-improvement decision.
Read the complete guide
What this calculator estimates
Project future long-term care costs and estimate the funding gap after savings and existing coverage. It is designed for fast planning and comparison in the United States. The output is an estimate, not a binding quote, approval, tax determination, insurance offer or professional recommendation.
How to use it
Enter the requested values using a single consistent time period and currency. Select Calculate, review the headline result and supporting figures, then change one assumption at a time to compare another scenario.
How the calculation works
Current monthly care cost is grown by the entered inflation rate for the years until care, then multiplied by the expected duration. Savings and existing benefits reduce the gap.
Important limitations
Care type, location, benefit periods, elimination periods, taxes and investment returns can substantially change the outcome.
Frequently asked questions
Is the result exact?
No. It is a planning estimate based on the assumptions entered.
Can I compare different scenarios?
Yes. Change one input at a time so you can see which assumption changes the result.
Does the calculator store my inputs?
The calculation runs in the browser and does not require an account. Avoid entering unnecessary confidential information.