LTC Self-Fund vs Insure Calculator
Compare self-funding long-term care from portfolio vs buying insurance — at your asset level and care cost assumptions.
Calculator shows the direction. Your actual crossover depends on more variables than this can model.
The self-fund math shifts significantly when you account for account types (IRA withdrawals vs. Roth vs. taxable), state income taxes on portfolio distributions during care, income you'll have from pensions or Social Security, spousal asset protection rules, and Medicaid look-back exposure. A fee-only advisor models your specific numbers — and unlike an insurance agent, self-funding is always one of the options on the table.
Get your scenario modeled free →
The self-fund math shifts significantly when you account for account types (IRA withdrawals vs. Roth vs. taxable), state income taxes on portfolio distributions during care, income you'll have from pensions or Social Security, spousal asset protection rules, and Medicaid look-back exposure. A fee-only advisor models your specific numbers — and unlike an insurance agent, self-funding is always one of the options on the table.
Get your scenario modeled free →
What this calculator does and doesn't model
Output is a directional starting point — not tax or investment advice. Real decisions need the specifics: account types, state taxes, other income, employer plan rules.
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