Future Medical Cost Calculator

Calculate the present value of future medical treatment and surgeries.

Legal Disclaimer

This calculator provides general estimates only and does not constitute legal advice. Laws, regulations, and court procedures vary significantly by jurisdiction. Consult a licensed attorney in your area for advice specific to your situation.

Inputs

Annual Treatment Cost

Treatment Duration (Years)

years

Number of Future Surgeries

Surgery Cost Each

Medical Inflation Rate

Discount Rate

Tab to move between fields

Results

Total Present Value

$429,567.82

≈ 10 Teslas

PV Ongoing Treatment$295,511.96

PV Future Surgeries$134,055.86

Total Nominal Cost$516,631.02

Inflation Impact$176,631.02

How to Use This Calculator

Enter Annual Medical Cost for ongoing treatment, therapy, and medication.
Set Duration Years — the expected period requiring continued medical care.
Enter Medical Inflation Rate % (healthcare costs typically inflate faster than general CPI).
Set Discount Rate % to convert future costs to present value for settlement negotiations.
Review Present Value of Future Medical Costs — use this in demand letters and settlement negotiations.
Life care planners and medical experts provide the most defensible future cost projections for trial.

How the result changes with Treatment Duration (Years)

Treatment Duration (Years)	Total Present Value
5.9	$169,545.64
18	$390,720.10
33	$718,924.97
45	$1,059,739.25

What each input means

Annual Treatment Cost: Annual ongoing treatment cost (therapy, medication, etc.).
Treatment Duration (Years): Expected years of future treatment.
Number of Future Surgeries: Number of future surgeries anticipated.
Surgery Cost Each: Estimated cost per future surgery.
Medical Inflation Rate: Annual medical cost inflation rate.
Discount Rate: Discount rate for present value calculation.

How this is calculated

Worked example, using the default values

Identify Input Parameters
4 parameters
Annual Treatment Cost = 12000, Treatment Duration (Years) = 20, Number of Future Surgeries = 2, Surgery Cost Each = 50000 = 6 input(s) provided
Calculate Total Present Value
Total Present Value
429567.82 = $429,567.82
Calculate PV Ongoing Treatment
PV Ongoing Treatment
295511.96 = $295,511.96
Calculate PV Future Surgeries
PV Future Surgeries
134055.86 = $134,055.86

Engine last updated August 5, 2026. Checked against 2 independently-derived tests — how we verify calculators.

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