Long Term Care Cost Finder
Long-Term Care Cost Finder
Medicare doesn't cover long-term care. See how much care costs in your area and how long your savings will last.
Your Situation
Social Security + Pension
In-Home Care
$0/mo
Assisted Living
$0/mo
Nursing Home
$0/mo
Savings Depletion Over Time
The "Uncovered" Gap
The average person needs long-term care for 3 years. If your savings run out before then, you may be forced to rely on Medicaid, which significantly limits your choice of facilities and care quality.
Monthly Shortfall (Nursing Home)
$0
This amount must be paid out-of-pocket every single month.
Analyze your care options to protect your lifestyle and assets.
Protect Your Nest Egg from Care Costs.
Asset-based LTC insurance or home equity strategies can ensure you get high-quality care without going broke.
The Logic Behind the Tool
- State-Based Cost Averages: The tool uses a representative database of monthly costs for different care levels across various US regions.
- Inflation of Care Costs: Long-term care costs traditionally rise faster than general inflation. The tool applies a 3–4% annual inflation rate to future care costs.
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Depletion Logic (The “Burn Rate”):
- Remaining Assets = Current Assets - (Monthly Care Cost - Monthly Fixed Income)
- It calculates how many months it takes for the “Nest Egg” to hit zero for each care type.
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Care Level Definitions:
- In-Home Care: Based on 44 hours/week of professional help.
- Assisted Living: Private one-bedroom in a facility.
- Nursing Home: Semi-private room with 24/7 skilled nursing.
