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Medi-Cal Share of Cost Calculator

Free Educational Tool  •  2025–2026 Figures

Medi-Cal Share of Cost Calculator

Estimate your monthly Medi-Cal share of cost for nursing home or home care — including California spousal income protections.

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What type of care is needed?
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What is the household situation?
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Enter monthly income & deductions
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California Spousal Protection: When one spouse enters a nursing home, the at-home (community) spouse is entitled to keep a Minimum Monthly Maintenance Needs Allowance (MMMNA) of at least $2,555/month (2025). If the community spouse's own income falls below this, income may be diverted from the Medi-Cal applicant to cover the shortfall — reducing the share of cost.
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Your Estimated
Monthly Share of Cost
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There are often legal strategies to lower or eliminate your share of cost. Call us — no obligation.

⚠ Educational Estimate Only — Not Legal Advice

This calculator provides a general educational estimate based on standard Medi-Cal Aged & Disabled (A&D) program rules. Results are not a guarantee of Medi-Cal eligibility or your actual share of cost. Medi-Cal rules are complex; individual circumstances vary significantly. Income deductions, asset limits, spousal protections, and program rules change periodically. Please consult a qualified elder law attorney before making any financial or legal decisions. OC Elder Law is located at 619 N. Harbor Blvd, Fullerton, CA 92832, and serves all of Orange County. Attorney Marty Burbank, JD, LLM (Tax Law), has practiced elder law since 2003.

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