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 2025 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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