Medicaid Asset Spend-Down Gap Calculator
Check whether your assets fall within Medicaid eligibility limits and size the spend-down needed if they do not. Enter countable resources, your state's limit, and optional protected allowances to reveal the dollar gap and a monthly target that clears it before you apply.
Medicaid eligibility rules change by state. Review your calculations with an elder-law attorney or Medicaid planner before submitting an application.
Examples
- $185,000 countable assets, $138,000 limit, $50,000 allowance, default months ⇒ Eligible — countable assets are $3,000.00 USD below the $188,000.00 USD allowance.
- $210,000 countable assets, $138,000 limit, allowance blank, 4 months ⇒ Spend-down required: $72,000.00 USD • Effective allowance after protections: $138,000.00 USD • Planning window: 4 months • Suggested monthly spend-down: $18,000.00 USD
FAQ
Which assets count toward Medicaid eligibility?
Checking, savings, investments, second homes, and non-qualified annuities are typically countable, while a primary residence, one car, and personal belongings are often exempt.
How are community spouse resource allowances applied?
Add the allowance to the state limit using the optional protected allowance field so the calculator reflects the higher cap available to the couple.
What if my spend-down plan includes gifting?
Gifts can trigger penalty periods. Use this tool to size legitimate spend categories, then consult an elder-law attorney before transferring assets.
Additional Information
- Protected allowances vary by state and can include community spouse resources and personal needs amounts.
- Qualified spend-down uses include paying medical bills, approved home modifications, or purchasing exempt assets like a primary residence.
- Medicaid look-back periods often span 60 months, so large gifts or transfers can trigger penalties even after the gap is closed.