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Free tools

Run the numbers before you decide anything

Three free calculators built on the actual federal formulas. No email required, no sign-up; the numbers are the point.

Medicaid spend down calculatorHow much must be spent before Medicaid pays, with the 2026 community spouse protections built in.Open the calculator

Medicaid penalty period calculatorThe months of ineligibility caused by gifts inside the look-back window, using your state's divisor.Open the calculator

Medicaid look back period calculatorThe 60-month window in both directions: when it opens for an application, and when a past gift ages out.Open the calculator

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Tell us what the calculator showed you and your state. Our team confirms the right document and sends one flat fee, usually the same day.