Long-Term Care Cost Calculator
Project the future cost of long-term care, such as assisted living or a nursing home, with healthcare inflation and the expected length of care.
Your numbers
- First-year cost
- $298,185
- Cost today for same period
- $255,000
How the long-term care cost calculator works
Cost at start of care = today’s annual cost × (1 + inflation)^years until care. Each year of care then rises by inflation.
Example
Using the default inputs (Your age: 50; Age care may start: 82; Annual cost today: $85,000; Care cost inflation: 4%; Years of care: 3), the calculator returns total projected cost of $930,814. Change any field above to see your own result and charts update instantly.
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Frequently asked questions
How much does care cost?
National medians are roughly $60,000–$110,000 a year depending on assisted living, home health or a nursing home.
Does Medicare cover it?
Only short skilled-nursing stays; long-term custodial care generally is not covered.
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Estimates are for educational purposes only and are not financial, tax or legal advice. Results depend on your inputs and simplified assumptions; tax figures reflect 2026 federal rules and may differ from your situation. See our disclaimer. © 2026 FinanzCalc.