How long will the money last?
Enter what Mom or Dad has and what care costs, and see month by month how long savings last, including price increases, a bigger care bill later, or a move to memory care. Your numbers never leave this page.
If the money runs out
- Medicaid can help pay for care once savings are nearly gone (in most states about $2,000 for a single person in 2026), but in assisted living it pays for care services only, not rent or meals, and many communities don’t accept it. Ask each community now whether it does.
- Medicaid looks back 60 months at money given away or sold for less than it was worth. Gifts in that window can delay coverage.
- A spouse who stays at home keeps protected savings (between $32,532 and $162,660 in 2026, depending on the state) and part of the income.
- Veterans and surviving spouses may qualify for VA Aid and Attendance: estimate it.
- Apply before the money is gone: approval takes time. An elder law attorney or your state’s Medicaid office can explain the rules where they live.
2026 figures from the CMS Informational Bulletin of April 27, 2026. States set some limits differently.
An estimate to help you plan, not financial, legal, tax or benefits advice. Nothing you enter leaves this page. The home sale is counted when it happens; taxes on retirement withdrawals or a sale are not modeled. Medicare does not pay for assisted living or long-term care (who does). Medicaid rules vary by state; an elder law attorney can advise on your situation.