These 6 Hidden Expenses Could Derail Your Retirement Plans -- At Least One Could Cost More Than $100,000 Per Year

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RegExp("[?&]notifications=1(&|#|$)");"desktop"===y&&i&&b.test(window.location.search)&&(i.checked=!0)};be("ybar-mod-notification",(function(e){var t={isUH3:"crunch"===e.getConfig().ytheme,notifContainer:document.getElementById("notification-container"),notifBadge:document.getElementById("notif-badge"),notifMenu:document.getElementById("ybarNotificationMenu"),notifMenuOpener:document.querySelector("#ybarNotificationMenu + label"),notifDropdown:document.getElementById("notifDropdownContainer"),tooltipContainer:document.querySelector(".".concat(Vn)),notifLabel:document.querySelector(".".concat($n))};t.notifDropdown&&ro(e,t)}))}()}};]]>Selena Maranjian, The Motley FoolSat, September 27, 2025 at 3:30 PM GMT+2 5 min readIt's important to have a thorough retirement plan, outlining how much income you'll need and how you'll amass it.Be sure to estimate your future spending comprehensively, including the expenses outlined below.Remember that there will likely be multiple unexpected expenses that pop up over the years.The $23,760 Social Security bonus most retirees completely overlook ›Planning and saving for retirement is a tricky endeavor, because there are many unknowns -- and luck plays a factor, too. You can't plan for every possible twist and turn in your retirement life, but there are some expenses that many people don't sufficiently consider in their planning.Here's a look at six hidden or just underappreciated expenses you might face in retirement.Image source: Getty Images.You may be assuming that most of your healthcare expenses in retirement will be paid by Medicare, and that may be true. But even if Medicare pays 80% of an expense, if it's a $150,000 bill, that could leave you paying $30,000.According to Fidelity, a 65-year-old person retiring in 2025 can expect to spend $172,500, on average, on medical and healthcare expenses throughout their retirement. That doesn't even include long-term care, over-the-counter medications, or most dental services. For a married couple, the average total is $345,000.Healthcare is a major expense category for older (and many younger) people these days. So plan accordingly and make smart Medicare decisions, too. If you can get and stay relatively healthy, you may be able to contain these costs a bit.Then there's housing. We often think mainly about our mortgage or rent payments when we think about housing costs, but it's important to remember that there are lots of related expenses, especially if you're a homeowner.For example, even if you pay off your mortgage loan before you retire, freeing yourself from those payments, you'll still be on the hook for expenses such as homeowner insurance, property taxes, utilities, repairs, and maintenance. You may even have to pay more, perhaps installing a ramp to your door and/or converting a bathtub into a walk-in shower.Long-term care is a tricky category because the insurance is generally so costly. It's costly because the cost of long-term care itself is costly -- and is often needed. The U.S. Department of Health and Human Services has estimated that 56% of Americans turning 65 now will need long-term care at some point in their retirement.Per the 2024 Genworth Cost of Care survey, a home health aide costs an average of $77,792 annually, while the median annual cost of adult day care is $26,000. 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