Long-Term Care Cost Estimator

Planning for long-term care is easier when you can see the whole picture. Choose a care type and a time frame, and this tool projects the total cost over time, accounting for prices that tend to rise each year.

Remember: Medicare generally does not cover long-term custodial care, so most families plan to pay privately, through insurance, or through Medicaid for those who qualify.

Common questions

How much does long-term care cost?

In 2025, national monthly medians run about $2,060 for adult day care, $6,200 for assisted living, $6,700 for in-home care, and $9,600–$10,800 for a nursing home. Over several years, with rising prices, the totals add up quickly — which this tool projects.

Does Medicare pay for long-term care?

No — Medicare doesn't cover long-term custodial care, only short-term skilled nursing after a qualifying hospital stay. Long-term care is typically paid privately, through long-term-care insurance, or through Medicaid for those who qualify.