Did you make a gift or transfer in the last 5 years? Calculate whether it triggers a Medicaid penalty period — and estimate your out-of-pocket costs.
Enter gifts or transfers you made in the last 5 years. Each gift may trigger a penalty period if it falls within the lookback window.
When do you expect to apply for Medicaid benefits?
Enter your state, anticipated application date, and any gifts or transfers you've made in the past 5 years to see if they trigger a Medicaid penalty.
A Willwright Medicaid planner can help you understand your options — including strategies to mitigate or eliminate penalties through proper planning.
Get a Personalized PlanWhen you apply for Medicaid, the state reviews all asset transfers made during the 60 months (5 years) before your application. Any gifts or transfers made during this window can trigger a penalty period during which you're ineligible for benefits.
Want the full picture? Read our complete guide to the 5-year lookback period →
All five states we support have a 60-month (5-year) lookback period. Gifts made more than 5 years before your application don't count.
The penalty = Gift amount ÷ State's average monthly nursing home cost. Larger gifts = longer penalty periods.
Proper planning — using trusts, annuities, or caregiver agreements — can protect assets without triggering penalties.
If this calculator shows a penalty, don't panic — there are legal strategies that may help. Willwright builds a personalized Medicaid asset protection plan tailored to your situation.
Get Your Estate + Medicaid Plan — $299Disclaimer: This calculator provides estimates for informational and educational purposes only. It is not legal or financial advice. Medicaid rules are complex, change frequently, and vary by individual circumstance. Consult a licensed elder law attorney before making any decisions based on these estimates. Willwright is not a law firm.