What Could Care Cost, and What Is Actually at Risk?
This calculator projects the cost of long-term care in Florida using your age, gender, and life expectancy, then separates your assets the way Medicaid does: exempt assets the law already protects, and countable assets exposed to spend-down. Estimates update instantly as you type.
Step 1 · About the Person Needing Care
Life expectancy drives the projected duration of care, so age and gender matter.
Step 2 · The Care Plan
Choose the likely care setting; you can edit the monthly cost. If care is years away, we grow costs at 4.5% per year.
Step 3 · List the Assets
Separate them the way Florida Medicaid does. Approximate values are fine.
Exempt Assets, generally protected by law
Florida does not count these toward the $2,000 limit (the homestead within equity limits, and without limit when a spouse or certain dependents live there).
Countable (Non-Exempt) Assets
These are exposed to spend-down without planning. Tip: a retirement account taking regular required distributions is often treated as an income stream in Florida rather than a countable asset; check the box on that row if so.
Your Projection
*Illustration assumes roughly half of at-risk assets preservable in crisis planning and substantially more with five or more years of advance planning; actual results depend entirely on your facts and are not guaranteed. Life expectancy interpolated from Social Security Administration period life tables; individuals vary widely. Cost figures are editable estimates for Florida and inflate at 4.5% annually when care is deferred. 2026 program figures: $2,000 countable asset limit, $2,982/month income cap (curable with a Qualified Income Trust), $162,660 community spouse resource allowance. This tool is educational only and is not legal advice; nothing here creates an attorney-client relationship.