We'll use this to calculate how many years of support will need to be funded.
Based on the ages you've entered, the planning horizon is years. If this seems short, you can adjust the life expectancy slider above.
Parent age is usually at least 18 years older than the child's age — if that's not your situation, no worries, just making sure the numbers look right.
We've pre-filled monthly estimates as a starting point. Adjust any slider to reflect your family's situation.
Enter what your child pays now, or what you expect them to pay in the future — including rent, utilities, food, and household basics. Some Medicaid waivers cover residential costs with minimal out-of-pocket expense, and housing vouchers typically limit your child's share to about one-third of their income. If neither is in place yet, use a realistic private-pay estimate. Counting on a waiver or voucher you don't yet have can leave a significant funding gap. Not sure? The average US apartment runs around $1,800/month — a reasonable starting point.
Estimated monthly cost: $3,250/mo
Includes direct support hours, job coaching, and in-home assistance. Private-pay support typically runs $20–$30/hour. If a Medicaid waiver is covering some or all of these hours, enter only what your family pays out of pocket. If you're on a waitlist or hope to get a waiver in the future, use the private-pay cost — planning around coverage you don't yet have can leave a significant gap.
Rates vary widely by state and by the kind of support you need. Use your best estimate — this is a starting point for a conversation, not a quote.
Out-of-pocket medical costs, copays, medications, and therapy. Many therapists (ABA, OT, speech) do not accept Medicaid, so private-pay therapy costs are common even for families with coverage.
What kind of lifestyle do you want your child to have? This might include outings, hobbies, dining out, personal spending, and everyday quality-of-life expenses.
Enter the total monthly government income your child currently receives. The marker shows the 2026 federal SSI maximum ($994/month) — your state may add a supplement above this. Amounts above $994 typically reflect SSDI or DAC benefits, which are based on a parent's Social Security earnings record. If benefits are not yet in place, use $0 and plan conservatively.
These questions help us identify gaps in your existing plan. There are no right or wrong answers — just honest ones.
These help us tailor your results. All responses are kept confidential.
Enter your details below to see your lifetime estimate and planning gaps — at no cost.
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Based on what you've shared, here's your personalized picture.