What is the Community Spouse Resource Allowance (CSRA)?

If one spouse enters a nursing home while the other remains at home (the 'community spouse'), the community spouse can retain up to $154,140 of the couple's combined countable assets to prevent spousal impoverishment.

What is the Medicaid 5-year look-back period?

Medicaid reviews all financial asset transfers and gifts made within 60 months (5 years) prior to the application date. Any gifts made for less than fair market value trigger a statutory penalty period of Medicaid ineligibility.

USAUpdated for 2026Health

US Medicaid Long-Term Care & Nursing Home Spend-Down Calculator 2026

Calculate Medicaid Long-Term Care (Institutional/Nursing Home) financial eligibility, countable vs exempt assets, Community Spouse Resource Allowance (CSRA), and monthly spend-down requirements.

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Calculated Result

Excess Assets Required to Spend Down

$88,000

Calculator Inputs

Marital Status

Total Countable Liquid Assets (Savings, Stocks, Non-Retirement Accounts)

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Private Pay Monthly Nursing Home / Care Facility Rate

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Excess Assets Required to Spend Down

$88,000

Total Protected Family Assets

$92,000

Months of Private Care Until Eligible

9.3 Months

Community Spouse Protected Share (CSRA)

$90,000

Applicant Retained Asset Limit

$2,000

Individual countable asset limit is typically $2,000. Community Spouse Resource Allowance (CSRA) protects up to $154,140 for a non-applicant spouse. A 60-month (5-year) look-back period applies to asset transfers.

This calculator is a mathematical model for fitness and nutrition estimation for general awareness only. Estimated results do not constitute medical diagnosis or a substitute for professional healthcare. Always consult a physician or certified nutritionist before starting any new diet or training regimen.

Official Statute: Social Security Act (42 U.S.C. § 1396p - Medicaid Long-Term Care Eligibility, 5-Year Look-Back Period & Asset Spend-Down Limits)Last Verified: 2026-09-04

Calculation Methodology

Countable Assets = Total Liquid Assets - Principal Primary Residence Exemption (up to $713k/$1.07M) - Vehicle Exemption. Excess Assets to Spend Down = max(0, Countable Assets - Applicant Asset Limit ($2k) - Community Spouse Allowance).

Frequently Asked Questions

In most states, a single applicant can keep no more than $2,000 in countable liquid assets (checking, savings, stocks) to qualify for Medicaid nursing home coverage.

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USA

US Medicaid Long-Term Care & Nursing Home Spend-Down Calculator 2026

Calculator Inputs

Calculation Methodology

Frequently Asked Questions

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