SSI Calculator

Estimate SSI eligibility and monthly benefit from income and resources.

By Konstantin Iakovlev · Updated April 2026 · Source: Benefits.gov

Filing As
$
$
$

Eligible

Yes

Est. Monthly SSI

$994.00

Calculation

Max SSI Benefit (individual)$994.00
Countable Income- $0.00
Estimated Monthly SSI$994.00
Resource Limit$2,000.00
Resource TestPass

Use the SSI 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

Supplemental Security Income supports people who are aged, blind, or disabled and living on limited income and resources. Entering your income and asset details here produces an estimate of whether you qualify and roughly what your monthly payment would be. The math uses the projected 2026 SSI federal benefit rates and resource limits so the result reflects current standards as closely as possible.

The first step is figuring countable income, which starts from your gross income and then removes exclusions such as the general income exclusion and the earned income exclusion. Whatever counts is subtracted from the projected 2026 Federal Benefit Rate to produce your estimated monthly payment. Resources matter too: to stay eligible, countable assets must fall below the 2026 limits of $2,000 for an individual and $3,000 for a couple.

Treat the output as a planning estimate, since the Social Security Administration issues the official decision. Several common assets do not count, including your primary residence and one vehicle, so report those accurately rather than assuming they disqualify you. The calculation also covers only the federal benefit, leaving out state supplementary payments that can raise the total in many states.

Example: Jane's SSI Estimate for 2026

  1. 1 Jane, a single individual, is 68 years old and disabled. She receives $500 per month in a private pension and has $1,500 in a savings account. She lives in her own home.
  2. 2 First, we determine Jane's countable income: Her private pension is $500. We apply the general income exclusion ($20) and subtract it, leaving $480. We then subtract this countable income from the projected 2026 FBR of $972. This gives a potential benefit of $492. Her resources of $1,500 are below the $2,000 individual limit.
  3. 3 Based on these inputs, Jane is likely eligible for SSI and could receive an estimated monthly benefit of $492 in 2026.
  4. 4 This estimated benefit does not include any potential state supplementary payments, which vary by state. Jane should contact the Social Security Administration directly to apply and receive a definitive eligibility determination and benefit amount.

Source: Benefits.gov · Last updated: April 2026

Frequently Asked Questions

What is the maximum SSI payment for 2026?
The federal SSI maximum is $967 per month for an individual and $1,450 for a couple. Many states add a supplemental payment that increases the total. Your actual payment is reduced dollar-for-dollar by most income above a small exclusion.
What are the income and resource limits for SSI?
Resource limits are $2,000 for individuals and $3,000 for couples (excluding your home and one vehicle). For income, SSI excludes the first $20 of most income and the first $65 of earned income, then reduces the benefit $1 for every $2 of additional earned income.
Can I get both SSI and Social Security?
Yes, it is possible to receive both if your Social Security benefit is very low. SSI tops up your income to the SSI maximum. Your Social Security payment is counted as unearned income, reducing the SSI payment, but you can still receive some SSI if the Social Security amount is below the SSI limit.

You might also need

SNAP Benefits Calculator (Food Stamps)

Check SNAP/food stamp eligibility and estimate monthly benefits based on household size and income.

Medicaid Eligibility Calculator

Check if you qualify for Medicaid based on income, household size, and state. See ACA alternatives if over the limit.

Section 8 Housing Voucher Calculator

Estimate Section 8 voucher amount based on income, household size, and local fair market rent.