Social Security Disability Calculator

Social Security Disability Insurance pays a monthly benefit to people who can no longer work because of a qualifying disability, and two things decide what you receive: your work history and your lifetime earnings. Enter both here to gauge whether you have enough credits to qualify and to estimate the monthly amount, all computed against the latest 2026 Social Security Administration figures for work credits and average indexed monthly earnings.

Eligibility is checked first. Work credits come from covered employment and act as the gateway to SSDI, so the tool counts yours before doing anything else. It then runs your reported earnings through the Average Indexed Monthly Earnings formula. AIME feeds into your Primary Insurance Amount, the number that sets your monthly benefit, and the 2026 bend points are applied at this step to size the PIA correctly.

Work credits track your earnings rather than the number of years on the job, which trips up many applicants. Younger workers in particular tend to assume they need fewer credits than the rules actually require. Because the estimate is only as good as the earnings you enter, even small inaccuracies in your wage history can shift the projected benefit noticeably.