Long-Term Care Cost Calculator
Estimate long-term care costs for home health, assisted living, or nursing home with inflation projection.
Current Annual Cost
$135,000.00
Nursing Home (Private)
Projected Cost at Age 80
$282,660.02
per year
Total 3-Year Cost
$873,673.86
Est. Monthly Premium
$1,820.15
if purchased now
Care Type Comparison (at Age 80)
| Home Health Aide | $131,908.01/yr | $407,714.47 total |
| Assisted Living | $157,033.34/yr | $485,374.37 total |
| Nursing Home (Private) | $282,660.02/yr | $873,673.86 total |
Cost Details
| Current Annual Cost | $135,000.00 |
| Years Until Age 80 | 25 |
| Projected Annual Cost at 80 | $282,660.02 |
| Daily Benefit Needed | $774.41 |
| Total 3-Year Cost | $873,673.86 |
| Est. Annual Insurance Premium | $21,841.85 |
| Est. Monthly Insurance Premium | $1,820.15 |
2026 National Median Costs
- Home Health Aide: $63,000/year
- Assisted Living Facility: $75,000/year
- Nursing Home (Private Room): $135,000/year
- 70% of people over 65 will need some form of long-term care
Use the Long-Term Care Cost Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
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