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Niko Ramsey

CalFresh benefit calculator for income increase? Need to predict my new benefit amount

Just found out I'm getting a raise at work starting next month (yay!) but now I'm worried about how much it'll affect my CalFresh benefits (not yay). My household income will be increasing by about $375/month. I currently get $430 in CalFresh for me and my two kids. Is there any calculator online where I can plug in my new income and see what my new benefit amount will be? I want to plan ahead for my grocery budget before the reduction hits. I know I need to report the change within 10 days once it happens, but I'd rather know what to expect before then. Anyone gone through something similar or know of resources that could help?

Yes, there's the CalFresh Self-Assessment tool on the GetCalFresh website that can give you a rough estimate. Keep in mind though that it's just an estimate since your actual benefit depends on your specific deductions like rent, utilities, and childcare expenses too. Generally, for every $3 increase in net income, your CalFresh decreases by about $1. So with a $375 increase, you might see around $125 reduction, but honestly it could be less depending on your deductions.

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Thanks! That $3:$1 ratio is helpful to know. So I'd be looking at around $305 in benefits instead of $430. That's actually not as bad as I was fearing. I'll check out that self-assessment tool too. Do you know if childcare expenses are fully deductible? I pay about $950/month for after school care.

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congrats on the raise!! i went thru something similar last year when i got a promotion. my calfresh went down but not as much as i thought it would. make sure u report ALL ur expenses when u do the SAR7 because they count everything. like my car insurance and gas for work commute counted as a deduction!

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That's incorrect information. CalFresh does NOT count car insurance or gas as deductions. The only transportation costs that count are costs to get to medical appointments in some cases. Please be careful about spreading misinformation as it could cause people to misrepresent their expenses and potentially face overpayment issues later.

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The C4Yourself website has a benefits calculator but honestly it's USELESS and always way off. I did the calc when I applied and it said I'd get $375 but I ended up with $189. Total waste of time and gives false hope. My advice is just wait and see what happens when you report it. The system is designed to give you as little as possible anyway.

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While I understand your frustration, the calculators can be useful for general planning, even if they're not 100% accurate. The formulas CalFresh uses are actually standardized federal SNAP calculations - it's not designed to 'give as little as possible.' It just has specific income and deduction rules that can be complex. But I agree that no calculator will give you the exact amount - only your county worker can do that once all factors are considered.

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Have you tried using the Benefit Calculator on BenefitsCal.com? It's more accurate than some others I've seen. Also, make sure you know your gross income vs. net income - CalFresh calculations use net income after certain deductions. With your income increase, you'll definitely want to report it on time to avoid any potential overpayment issues. When you report the change, make sure to also update all your expense information, especially if any of those have changed (rent, utilities, childcare, etc.). Childcare expenses are a very important deduction - they can significantly offset income increases. For a household with 2 kids, you should still qualify for quite a bit of help even with the raise. Congratulations on the income increase, by the way!

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Thank you! I'll try the BenefitsCal calculator tonight. And yes, my childcare costs actually went up last month too (from $850 to $950) but I haven't reported that yet since it wasn't time for my SAR7. Should I report both changes at once when my income increases? Or should I report the childcare increase now separately?

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the same thing happened to my sister and she had to wait on hold for 3 HOURS to talk to someone about it!!! she kept getting disconnected too and had to call back like 5 times. such a pain!!! 😡

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I had the same issue with constantly getting disconnected when trying to reach my county worker. I finally tried using Claimyr.com and it worked amazingly well - they call the county office for you and call you back when a real person is on the line. Saved me hours of frustration. They have a video showing how it works here: https://youtu.be/eZ19FHRETv8?si=_CXnXqNXbLl26WB8. It was so much easier than dealing with the phone system myself, especially when I needed to update my income information quickly.

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To answer your follow-up question about childcare expenses - they are a significant deduction but not 100% deductible. CalFresh allows you to deduct the full amount you pay for childcare when calculating your net income, which directly affects your benefit amount. With $950/month in childcare costs, that's a substantial deduction that will help offset your income increase. Regarding reporting both changes at once - you can report your childcare increase now if you want to potentially get more benefits sooner, or you can report both changes together when your income increases. Either way works, but reporting the childcare increase separately first might get you a temporary increase before the income change affects things.

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Thank you so much for the detailed explanation! I think I'll report the childcare increase now then. Every bit helps with grocery prices these days. I really appreciate everyone's help here - feeling much less anxious about the whole situation now.

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Hey Niko! Just wanted to add that when you do report changes, you can also do it online through your county's portal instead of calling - might save you the phone wait times that Alberto's sister experienced. Most counties have online reporting now. Also, pro tip: when using any of those benefit calculators, make sure you're using your NET income (after taxes and deductions) not your gross pay from the raise. A $375 gross increase might only be like $280-300 net depending on your tax situation. This could make your benefit reduction even smaller than the estimates you're getting! Good luck with everything and congrats again on the raise! 🎉

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