Waterlily

AI care projections

Estimates when long-term care is likely to begin and what it may cost, based on your intake answers.

Free results by email

The timeline and cost insights land in your inbox at no charge, so you can judge the output before paying.

Personalized care plan

The subscription turns the projection into a step-by-step plan built around your situation.

Sharing with family or advisors

Send the plan to relatives or a financial advisor so everyone works from the same numbers.

Updates over time

Revise the plan as health or finances change, which keeps the numbers from going stale.

HIPAA and SOC 2

Waterlily states it is HIPAA compliant and SOC 2 certified for the health data you enter.

Web and mobile

The form and plan are available on web and mobile, and the form can be completed at your own pace.

The free gut check

Run the free intake for one parent before spending a cent and read the emailed timeline cold. If the projected start date lands sooner than anyone in the family assumed, that surprise is your reason to pay $9.99 and build the plan.WHOAdult child worried about a parentPAYOFFA zero-cost read on whether the family is behind, with a clear trigger for going further.

Pre-meeting homework

Ask clients to complete the form and share their care plan with you ahead of the annual review. Spend the meeting comparing the projected cost range to their actual savings and insurance.WHOFinancial advisorPAYOFFReview time goes to the funding gap, and the client arrives already primed on the long-term care topic.

The update trigger

Set one standing rule: any new diagnosis, move, or change in savings means someone updates the plan and re-shares it with the whole family.WHOFamily caregiver coordinating siblingsPAYOFFThe shared plan stays current, and nobody argues from an outdated number.

Verdict on the price

$9.99 a year is trivially cheap for a shareable care plan, and the free estimate lets you judge the output before you spend anything.

Independent public discussion of Waterlily's care planning tool is essentially absent so far; the only praise appears as testimonials on Waterlily's own site, and most Reddit chatter under the name is about an unrelated romance story.

Genworth Cost of Care and CareScout tools

Insurance-backed long-term care cost data and research tools.PICK IT WHENYou want to look up care costs by region and service type yourself, without building a personal plan.

Advisor-led manual modeling

A long-term care specialist or financial advisor building projections in their own spreadsheets or planning software.PICK IT WHENYour situation is complex enough that you want a human to own every assumption, and you are willing to pay advisory fees for it.

Is the free version enough on its own?

It gives you the core output: an expected care timeline and cost insights by email. Building a care plan, sharing it, and updating it later require the $9.99/year subscription.

Is it safe to enter my health details?

Waterlily states it is HIPAA compliant and SOC 2 certified. Those are the standard assurances to look for with health data, though the certifications themselves are the only detail it publishes on the homepage.

Can I use the numbers to decide on long-term care insurance?

Use them to frame the decision. Waterlily says the plan may not cover every related cost and does not explain its methodology on the homepage, so have a financial advisor check the projection against your actual savings and insurance before you buy anything.

Fill out the free form this week and read what comes back. Then put the number in front of the people who control the money: your family and your advisor.

Field research: 1 page scraped · 3 search passes · 10 community sources. Reviewed by the Koda desk on 2026-09-27.