# Long-Term Care Cost Calculator | Celestial Wealth

> Estimate what a period of long-term care could cost in today's money and at a future date, using the monthly cost and inflation assumption you choose.

Canonical page: https://celestialwealthsolutions.com/financial-tools/long-term-care-calculator

# Could a long-term care event change your retirement, in about 2 minutes

Care is not an emergency expense, it is a monthly one that runs for years. This puts a figure on it and, if you want, sets it beside what you have saved.

Want help understanding your results?

## What this assumes

- Today's cost is the monthly figure you entered multiplied by twelve and by the years of care you selected.

- The future cost inflates your monthly figure at the rate you chose for the number of years between your current age and the age care might begin.

- Care is treated as one continuous period at a single level of care. In practice needs change, and the level of care usually changes with them.

- No insurance benefit, government program, family contribution or tax treatment is applied anywhere in this calculation.

## Reading your result

### What this calculated

The cost of the care period you described, both in today's money and at the future date you chose, using the healthcare inflation figure you selected.

### Why the number matters

A care event is usually the largest single expense a retirement plan ever meets, and it lands late, when there is the least time to recover from it.

### What could change it

The level of care, the state you live in, how long care is needed, and whether any of it is covered by insurance or provided by family. Every one of those moves the figure substantially.

### Reasonable next steps

Look up real costs for your own area rather than using a national average, then decide whether this is a risk you would rather self fund or transfer.

This tool is educational and does not provide financial, investment, tax, legal or insurance advice. Results are estimates based only on the information you enter and the assumptions shown, they are not a quote, an offer of coverage or a promise of any outcome, and your actual situation will differ. Insurance guarantees are backed by the claims paying ability of the issuing insurance company. Speak with a licensed professional before acting on anything you see here.

Keep going

## Other tools worth two minutes

## Numbers are a start. A conversation is the next step.

Bring what this gave you. We will tell you what it misses, what it gets right, and what is actually worth doing about it.

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Celestial Wealth Solutions, an independent financial services agency in Fremont, California. Retirement and retirement, annuities, life insurance and IUL, free financial education, and licensing for new financial professionals.

Zeena Carmona (510) 461-2496, Geancarlo Carmona (858) 405-6743, Contact@CelestialWealthSolutions.com. Monday to Saturday, 9am to 6pm PT. Other times by appointment.

Important disclosures: Celestial Wealth Solutions provides financial education and insurance services. This website is for educational purposes only and is not financial, tax, legal or investment advice. Guarantees are backed by the claims-paying ability of the issuing insurance company. Policy loans and withdrawals reduce cash value and death benefits. Dividends are not guaranteed. Past performance does not indicate future results. Full set: https://celestialwealthsolutions.com/disclosures

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