Medicaid Spend-Down Calculator
Calculate assets to spend down for Medicaid eligibility. See exempt asset categories.
Spend-Down Needed
$48,000.00
Asset Limit
$2,000.00
Months to Eligible
29 mo
Asset Spend-Down
| Countable Assets | $50,000.00 |
| Asset Limit | $2,000.00 |
| Excess Assets (Spend-Down) | $48,000.00 |
Income Test
| Monthly Income | $2,500.00 |
| Monthly Medical Expenses | - $800.00 |
| Net Countable Income | $1,700.00 |
Spend-Down Strategies
| Pre-paid funeral/burial | Exempt asset |
| Home improvements (primary residence) | Exempt asset |
| Pay off debts | Reduces countable assets |
| Purchase exempt vehicle | One vehicle exempt |
| Irrevocable funeral trust | Removes from estate |
Use the Medicaid Spend-Down Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
You might also need
SNAP Benefits Calculator (Food Stamps)
Check SNAP/food stamp eligibility and estimate monthly benefits based on household size and income.
Medicaid Eligibility Calculator
Check if you qualify for Medicaid based on income, household size, and state. See ACA alternatives if over the limit.
Section 8 Housing Voucher Calculator
Estimate Section 8 voucher amount based on income, household size, and local fair market rent.