Spousal Asset Protection Calculator

When one spouse enters a Medicaid-funded nursing home, the other spouse (the "community spouse") is not left destitute. Federal law guarantees the community spouse can keep a significant portion of joint assets — called the Community Spouse Resource Allowance (CSRA) — plus a minimum monthly income. This calculator helps you estimate both protections.

Total Countable Assets (both spouses combined, at time of application)

Community Spouse Monthly Income (SS, pension)

Monthly Housing Costs (rent, mortgage, taxes, insurance)

State (affects CSRA min/max limits)

Community Spouse Can Keep