---
title: "LTC Funding Comparator"
method: POST
path: "/v1/tools/compute_ltc_funding_comparator"
tags: ["long-term care", "LTC funding", "self-fund", "hybrid premium", "funding comparator", "insurance planning", "zero network", "zero-PII"]
---

# LTC Funding Comparator

`POST /v1/tools/compute_ltc_funding_comparator`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/compute_ltc_funding_comparator`
- Auth: none declared

Long-term-care funding arithmetic over caller-declared inputs: simple sums of a declared self-fund annual set-aside and a declared traditional annual premium over a declared horizon, alongside a declared hybrid lump premium, with a CHEAPEST_IDENTIFIED or TIE_IDENTIFIED verdict and a full trace. On the tie path the page reports that no unique cheapest exists. Absent or invalid inputs fail closed and are named. Rounding is 2dp half-up. Arithmetic only: not insurance advice. No network, no storage, no clock.

**Tool URL:** https://ainumbers.co/tools/686-ltc-funding-comparator.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `horizon_years` number, required: Declared comparison horizon, integer in [1, 100].
  - `self_fund_annual` number, required: Declared annual self-fund set-aside, number in [0, 1000000000].
  - `hybrid_premium_total` number, required: Declared hybrid premium lump total, number in [0, 1000000000].
  - `traditional_annual` number, required: Declared traditional annual premium, number in [0, 1000000000].

## Response `200`

Successful tool execution result

- object
  - `self_fund_total` number, nullable
  - `hybrid_total` number, nullable
  - `traditional_total` number, nullable
  - `cheapest` string, nullable
  - `overall` string, nullable
  - `trace` string
  - `domain_errors` unknown[]
    - unknown

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)