Long-Term Care Cost Calculator
Last updated: October 15, 2026
Project future long-term care costs and estimate the funding gap after savings and existing coverage.
Starting figures illustrate this model. Enter your own measurements, quoted costs and applicable terms; this page does not retrieve live prices or provider rates.
Estimated future funding gap
—
- 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.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Project future long-term care costs and estimate the funding gap after savings and existing coverage.
How to use it
Enter Current monthly care cost ($); Years until care may begin; Expected years of care; Annual care-cost inflation (%); Savings reserved for care ($); Existing monthly insurance benefit ($). Select Calculate to update the results.
How the calculation works
Current monthly care cost is grown by the entered inflation rate for the years until care, then multiplied by the expected duration. Savings and existing benefits reduce the gap.
Worked example: starting scenario
| Current monthly care cost ($) | 7500 |
|---|---|
| Years until care may begin | 20 |
| Expected years of care | 3 |
| Annual care-cost inflation (%) | 3 |
| Savings reserved for care ($) | 100000 |
| Existing monthly insurance benefit ($) | 2000 |
| Estimated future funding gap | $315,650.03 |
|---|---|
| Projected monthly care cost | $13,545.83 |
| Projected total care cost | $487,650.03 |
| Existing coverage over care period | $72,000.00 |
| Savings applied | $100,000.00 |
Important limitations
Care type, location, benefit periods, elimination periods, taxes and investment returns can substantially change the outcome.