Five numbers show how long your savings last, at home or in care. No login. Your numbers stay in your browser.
For a parent? Enter their numbers.
Rough is fine. Change one and watch.
Running short is common, and it is not the end of care. Medicaid pays for long-term care at home and in facilities once savings are low; each state sets its own limits. Your local Area Agency on Aging can tell you what your state offers, at no charge.
Find your local help (Eldercare Locator) · call or text 1-800-677-1116 · Medicaid care at home
Practice the talk, then print a plan written while calm.
Cash runwayTwo numbers, the months they cover.
Cash insured?Add accounts against the insured limit; dates for each part.
Before you move savingsThree checks, and who to call if it already happened.
Trading appTap the warning signs, then where to report.
Debt collectorFederal limits, protected benefits, 30 days to dispute.
Unclaimed moneySearch the official sites yourself.
Before "will it last," there's a harder question most people never answer honestly — and getting it wrong is why so many keep working long past the point of needing to.
Would you take a sure amount — or a 25% chance at five times as much, and nothing if you lose? One try.
Most people take the guarantee. Daniel Kahneman won a Nobel for the reason: losing hurts about twice as much as winning feels good (Tversky and Kahneman, 1992), so we give up the bigger average payoff to avoid walking away with nothing. But there is a rational reason too — and it is the whole game. Once the guaranteed number is enough for the life you actually want, gambling it means risking that life for money you don't need. The moment the guarantee crosses your "enough," the gamble stops making sense.
Care costs are 2026 U.S. median figures (Genworth / CareScout Cost of Care) for in-home care, assisted living and nursing care (semi-private); memory care is estimated as a premium over assisted living. Each runs to thousands a month, rising from in-home care to nursing care. Costs are inflated 4%/year — care has risen faster than general inflation. Your state can be well above or below these.
Before care, every path spends what you spend now. Once care begins, a facility is treated as all-in (it replaces your home and living costs), while aging in place adds the cost of in-home help on top of your existing spending — that's the real trade-off. Your savings are assumed to grow 3%/year; guaranteed income rises 2.5%/year (a rough cost-of-living bump). "Lasts to age N" is the age your drawable savings reach zero — after that you'd rely on guaranteed income and Medicaid alone.
This is a planning estimate to start an honest conversation — not a projection of your actual outcome, and not financial advice. It ignores taxes, home equity, Medicaid spend-down rules, a spouse, and market luck. Talk to a fiduciary advisor before making a move.