Interactive Tool

Cost Calculator

Enter your age, state, care setting, and expected duration to project your total long-term care cost — at today's rates and at future ages. No email required. All calculations run in your browser.

Assumptions and Limitations

Base cost data

State median costs from the Genworth/CareScout Cost of Care Survey, 2023. Medians represent the midpoint of surveyed providers in each state.

Home health aide

Annual figure based on 44 hours/week, 52 weeks. Part-time or intermittent care would cost proportionally less.

Inflation assumption

Default is 3%/year, consistent with the historical average from the Genworth survey (2004–2023). You can adjust this. Actual future inflation may be higher or lower.

Total cost method

Uses the average of the first and last year's inflated cost multiplied by the duration. This is a simplification; actual costs typically increase each year.

What is not included

Unpaid family caregiver time, home modifications, medical equipment, transportation, or care coordination costs. These can add meaningfully to total out-of-pocket costs.

Not a guarantee

These projections are illustrative only. Actual costs depend on your specific care needs, provider, location within a state, and future market conditions.

Talk Through Your Personal Situation

The information on this site is general. Your situation — your state, your health, your assets — is specific. If you'd like to discuss your personal long-term care plan with the creator of this site, send an email. There is no obligation and no sales pitch.

This educational site is maintained by Blue Tiger Financial. Consultations are provided by its licensed professionals. Educational content is editorially independent.

Educational resource only. This calculator is for educational purposes only and is not financial, tax, legal, or insurance advice. Results are projections based on historical median costs and assumed inflation rates. Consult qualified professionals for advice specific to your situation.