The fear isn't dying. It's outliving your money — needing care with nothing left to pay for it. This shows you, honestly and privately, how long your savings last, and how aging in place versus a facility bends the curve. No login. Your numbers stay in your browser — unless you choose to email the snapshot to yourself.
Checking for a parent? Enter their numbers instead. It works the same, and "Copy a private link" gives you a link that reopens their numbers, to share with a sibling or talk through with them.
Rough is fine. You can change anything and watch it move.
A fall in your first years of retirement costs more than the same fall later, and the worst damage often comes from one decision on the worst day. Practice that talk with a partner or a parent, then print a plan written while calm. About five minutes, on this device, nothing sent.
Practice the crash talk →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.
About 80% take the guarantee. Daniel Kahneman won a Nobel for the reason: losing hurts about twice as much as winning feels good, 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.