Social Security Disability Calculator

Check SSDI eligibility from work credits and estimate disability benefits.
$

Likely Eligible

Yes

Est. Monthly Benefit

$2,014.00

Work Credits

80 / 40

Eligibility Details

Your Work Credits80
Credits Needed40
Credit TestPass
Recent Work TestPass
Est. Monthly SSDI$2,014.00

Use the Social Security Disability Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

How It Works

Our Social Security Disability Calculator helps you determine your eligibility for Social Security Disability Insurance (SSDI) based on your work history and provides an estimated monthly benefit amount. Understanding your potential benefits is crucial for financial planning if you're unable to work due to a disability. We incorporate the latest 2026 Social Security Administration (SSA) data for work credits and average indexed monthly earnings (AIME) calculations.

The calculator first assesses your work credits, which are earned through covered employment and are a prerequisite for SSDI eligibility. It then uses your reported earnings history to calculate your Average Indexed Monthly Earnings (AIME), a key factor in determining your Primary Insurance Amount (PIA), which forms the basis of your monthly benefit. We apply the 2026 bend points to accurately calculate your PIA.

Remember that work credits are based on your earnings, not just years worked. A common mistake is underestimating the number of credits needed, especially for younger workers. Also, ensure you provide accurate earnings history as this directly impacts your estimated benefit; any errors can lead to significant discrepancies.

Example: Maria's SSDI Estimate

  1. 1 Step 1: Input Your Work History and Earnings
  2. 2 Step 2: Calculate Work Credits and AIME
  3. 3 Step 3: Estimated Monthly SSDI Benefit
  4. 4 Step 4: Understand Your Eligibility and Benefit Breakdown

Source: Benefits.gov · Last updated: April 2026

Frequently Asked Questions

How much does SSDI pay per month?
The average SSDI benefit is about $1,580 per month in 2026. The maximum benefit depends on your lifetime earnings and is approximately $4,108 per month. Your actual benefit is based on your average indexed monthly earnings over your working years.
How many work credits do I need for SSDI?
You generally need 40 work credits (about 10 years of work), with 20 earned in the last 10 years before becoming disabled. Younger workers need fewer credits. In 2026, you earn one credit for each $1,810 in wages, up to 4 credits per year.
Can I work while receiving SSDI benefits?
Yes, under the Trial Work Period you can test your ability to work for 9 months (within 60 months) without losing benefits. In 2026, a trial work month is any month you earn over $1,160. After the trial period, earnings above the substantial gainful activity limit ($1,620/month) may end benefits.

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