Spend Down Calculator

About Spend Down Calculator

This free calculator helps families estimate how much countable savings may need to be spent before Medicaid long-term care coverage begins. It is aimed at people planning nursing home or home-care coverage for a parent or spouse, and at anyone trying to understand state asset limits.

Users pick a state, enter bank balances, brokerage totals and extra real estate, and see a gap between their assets and the state limit. Ten states have verified 2026 limits so far, and the rest show the federal floor with an unverified flag. The tool also applies spousal protection when one spouse stays at home.

The site stresses that it only handles asset math. It does not run income budgets, penalty calculations or waiver screens, and it does not decide eligibility. A free guide library and blog cover look-back rules, Miller Trusts and application steps.