A survival check for your aging years

Will your money survive your aging years?

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. Nothing leaves this page.

Free · takes a minute · uses 2026 median care costs

Your numbers

Rough is fine. You can change anything and watch it move.

Your age today

Savings you can draw on (investments + cash, not your home)

Guaranteed monthly income (Social Security + any pension)

Your monthly spending now (everything, before any paid care)

Years until you're likely to need paid care

How long your money lasts

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What actually moves the line

Aging in place is often cheaper — until it isn't. In-home help costs less per month than a facility, but you keep paying for the home on top of it. As care hours climb, the gap closes. The comparison above is the honest crossover.
Protecting the savings that fund care is part of the plan. A crash in your first years of care can cut the runway sharply. That's what the floor is for — an automatic floor under the money that has to last.
Three levers change everything else: spending less before care starts, delaying the move to paid care with support at home, and turning home equity into runway. Run the free money-decision tools.

How the math works (so you can trust or argue with it)

Care costs are 2026 U.S. median figures (Genworth / CareScout Cost of Care): in-home care ≈ $5,720/mo, assisted living ≈ $6,313/mo, memory care ≈ $8,100/mo (estimated premium over assisted living), nursing care (semi-private) ≈ $9,842/mo. 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.