Long-Term Care Cost Estimator
Estimate the cost of different types of long-term care, adjusted for your region, over the years you expect to need it.
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Long-term care is among the largest, least predictable retirement expenses, varying by care type, region, and duration. Estimating the total early helps you line up funding before a crisis.
Home equity is a common funding source, via monthly draws for in-home help or a lump sum for larger needs.
Frequently asked questions
How much does long-term care cost?
From a few thousand a month for in-home help to much more for nursing care, varying by region.
Does Medicare pay for it?
Medicare covers only limited short-term skilled care, not ongoing custodial care.
Can a reverse mortgage pay for care?
Yes — many homeowners use reverse mortgage funds for care while staying home.
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Open calculator →What this calculates
Projects long-term care costs over time by care type.
Assumptions & methodology
- Regional cost averages are placeholders; local prices vary.
- Results are estimates based on the figures you enter and simplified assumptions.
- Taxes, fees, rates and individual circumstances can change real outcomes.
Important: These tools provide educational estimates only. They are not a loan offer, pre-approval, or financial advice, and results never mean you are approved for any product. Eligibility and terms are determined by a lender after a full application. Consider speaking with a HUD-approved counselor or financial professional.
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