Tool
Cost of care estimator
Sketch a long-term care event and translate it into future dollars. Adjust the person, the care progression, and local costs — the future total updates live.
Years until claim
15
Duration
2.7 yrs
Total months
32
Future LTC cost
$442K
Person & event
Set who we're planning for and when care may begin.
Quick scenarios
Claim start age
68 (now)15 yrs out110
Care progression (months)
Many LTC events start at home, then step up.
Home caremo
Assisted livingmo
Nursing homemo
Cost assumptions
Today's monthly costs by setting and annual inflation.
| Setting | Today / mo | Inflation | Future / mo |
|---|---|---|---|
| Home care | $ | % | $9,318 |
| Assisted living | $ | % | $12,599 |
| Nursing home | $ | % | $23,501 |
Market: Denver, CO · ZIP 80209
Years until claim: 15
| Care setting | Today | Inflation | Future / mo | Months | Future cost |
|---|---|---|---|---|---|
| Home care | $5,100 | 4.1% | $9,318 | 8 | $74,544 |
| Assisted living | $6,700 | 4.3% | $12,599 | 18 | $226,782 |
| Nursing home | $11,800 | 4.7% | $23,501 | 6 | $141,006 |
| Total modeled future LTC cost | $442,332 | ||||
Show the math, step by step
- Home care: $5,100 × (1 + 4.1%)15 = $9,318/mo × 8 mo = $74,544
- Assisted living: $6,700 × (1 + 4.3%)15 = $12,599/mo × 18 mo = $226,782
- Nursing home: $11,800 × (1 + 4.7%)15 = $23,501/mo × 6 mo = $141,006
- Sum = $442,332 in future dollars.