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

Total projected cost$930,814
First-year cost
$298,185
Cost today for same period
$255,000
Projected annual care cost
$0$100K$200K$300K$400KYear 1Year 2Year 3Cost · Year 1: $298,185Cost · Year 2: $310,112Cost · Year 3: $322,517

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.