2026 Figures — All 50 States + DC

Medicaid Spend-Down Calculator

See how your countable assets compare to your state's 2026 Medicaid asset limit — and learn why having assets above the limit doesn't mean you simply have to spend them on nursing-home bills.

Estimate Your Spend-Down

Based on 2026 Medicaid asset limits. Results are educational estimates only.

State

Applicant situation

Single applicantOne person applying for MedicaidBoth spouses applyingBoth spouses in a facility

If one spouse is in a facility and the other is at home, select "Single applicant." The at-home spouse's protected amount (Community Spouse Resource Allowance) is a separate calculation.

Countable assets ($)

Include cash, checking/savings accounts, CDs, stocks, bonds, non-exempt investments, and assets held in a revocable trust. For single applicants, also include the value of your home. Do not include one vehicle or other exempt assets.

What are countable assets?

Cash and checking/savings accounts
Certificates of deposit (CDs)
Stocks, bonds, and mutual funds
Non-exempt investment accounts
Second vehicles
Vacation or rental property
Most life insurance with cash value
Assets held in a revocable trust
Primary residence (single applicants — home is a countable asset)

Typically exempt (do not count)

Primary residence — only if a spouse is living at home (subject to equity limits)
One vehicle
Personal belongings and household furnishings
Prepaid funeral/burial arrangements
Term life insurance (no cash value)
Certain retirement accounts (varies by state)

One spouse at home?

If only one spouse is entering a nursing home, the at-home spouse is protected from impoverishment through the Community Spouse Resource Allowance — up to $162,660 in 2026. This calculator does not reflect that protection.

Learn about spousal protection

Important Disclaimer

This calculator is an educational tool only and does not determine Medicaid eligibility. Results are estimates based on 2026 published asset limits and do not account for individual circumstances, exempt asset classifications, income rules, transfer-of-asset penalties, look-back period issues, or other factors that affect eligibility. Medicaid rules vary significantly by state and can change. Senior Asset Solutions does not provide legal or tax advice. Please consult a qualified elder law attorney for advice specific to your situation.

Having assets above the limit doesn't mean starting from zero.

Medicaid planning strategies may allow your family to protect a significant portion of your assets — even after a loved one has already entered a nursing home. A Senior Asset Solutions advisor can walk you through your options at no cost.

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