Long-Term Care Cost Calculator
Project annual long-term care costs at future ages so you can plan self-funding or insurance.
Inputs
How it works
2024 national median costs by care type (Genworth), grown at 4%/yr — the long-run LTC cost inflation.
Frequently asked questions
Is this a quote?
No — these are educational ballpark estimates. For an actual quote, talk to a licensed agent or run a comparison platform.
Term or whole life?
Term is usually best for most families — cheap, simple, and right-sized to the working years. Whole life is far pricier and suits niche estate planning.
How much coverage do I need?
A common rule is 10–12× annual income, but DIME (Debts, Income, Mortgage, Education) gives a sharper number.
What's an HSA?
A Health Savings Account paired with a high-deductible plan — triple tax-advantaged for qualified medical expenses.
What's the elimination period on disability?
The waiting time before benefits start. Longer waits lower premiums.
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View all insurance →Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.
Last updated January 1970