Spend Down

What is Spend Down?

A free Medicaid spend-down calculator that helps people estimate how much they may need to spend before long-term care coverage kicks in. It covers 51 states plus DC, uses official federal and state sources, and shows state-by-state asset limits for 2026. Users can pick a state, enter countable assets, and see the gap they need to close. The site also includes guides on asset limits, income limits, look-back rules, Miller Trusts, and spousal protections. It is built for families and caregivers trying to understand Medicaid rules without signing up or paying.

Key features

• Estimates Medicaid spend-down gaps by state and situation.
• Supports 51 states plus Washington, DC.
• Uses official federal and state agency sources.
• Shows verified 2026 limits for many states.
• Handles spouse protections with CSRA math.