Long-Term Care Insurance Calculator
Estimate your long-term care coverage gap from future cost, assets, and planned benefit.
Your age and care-cost estimates stay on this page — never uploadedTry: Current monthly care cost=5000, Annual inflation=4, Years until needed=20, Countable assets=100000, Planned monthly benefit=3000, Care duration (mo)=36 → $10,956, $394,402, $100,000, $108,000, $186,402, $0
How to use
Care costs rise with inflation, so the calculator grows today’s monthly cost forward by the years until you might need care, then compares the total against your assets and any benefit you plan to carry.
FAQ
Why inflate the cost?
Care inflation runs 3–4% a year; ignoring it understates what you will actually face.
What counts as assets?
Use countable savings you could spend on care; many people exclude a home and a spouse’s share.