You need to look at current costs of a place you are looking at. Then inflation adjust. If it's 10K/month now, so 120K/year now, let's say on average, then find a calculator that could do the math.

Ideally you have investments that are paying X amount per month that helps pay or at least offset that amount.

And if you will never be able to afford that, then you prepare for a mediCAID nursing home if you have virtually no assets. This gets even more complicated if there is a spouse who doesn't need to go into a nursing home.

How do you budget for independent living, assisted living, and nursing home care when you are 80?

Budget for 10 years?