About Spend Down Calculator
Spend Down Calculator helps families and caregivers understand Medicaid spend-down rules before they meet a county caseworker or elder law attorney. We publish state calculators, pillar guides, and supporting blog articles focused on long-term care eligibility education.
What we publish
- 51 state calculators with interactive asset gap math and sourced 2026 limits where verified
- 10 pillar guides on assets, income, look-back, Miller Trusts, and estate recovery
- 40 blog articles on countable assets, application steps, and state-specific rules
Start with the calculator hub, read our guides, or browse the blog.
Editorial standards
Dollar limits must come from a state Medicaid agency, CMS, SSA, or eCFR reference, or be marked UNVERIFIED until confirmed. Each page shows a last-updated date. Read our full editorial policy for sourcing and review rules.
Who writes the content
Content is produced and reviewed with input from Medicaid planning specialists. Gabriel Heiser, J.D., Medicaid Asset Protection Attorney & Author, serves as editorial reviewer. Medicaid asset protection attorney and author of How to Protect Your Family's Assets from Devastating Nursing Home Costs (8th ed.). Quoted in the Wall Street Journal, Kiplinger, and Forbes on long-term care planning.
Educational only
We are not a law firm and do not provide legal, tax, or financial advice. Calculator output is an estimate, not an eligibility determination. Read our disclaimer and terms of use before relying on any page.
Advertising
We may display advertisements through Google AdSense to support free access to our tools. Ads are labeled where required. See our privacy policy and cookie policy for how advertising partners use data.
Contact
Corrections and feedback: [email protected]. Visit our contact page for response times and what we can help with.