SSI Calculator

Estimate SSI eligibility and monthly benefit from income and resources.
Filing As
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$
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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

Our SSI Calculator helps you estimate your potential eligibility for Supplemental Security Income (SSI) and your approximate monthly benefit amount. Understanding your SSI eligibility is crucial for financial planning, especially for individuals who are aged, blind, or disabled and have limited income and resources. This calculator incorporates projected 2026 SSI federal benefit rates and resource limits to provide the most current estimate possible.

The calculator determines your countable income by subtracting various exclusions and deductions from your gross income, such as the general income exclusion and earned income exclusion. Your countable income is then subtracted from the projected 2026 Federal Benefit Rate (FBR) to arrive at your estimated monthly SSI payment. Eligibility also depends on your countable resources, which must be below the 2026 resource limits of $2,000 for an individual and $3,000 for a couple.

Remember that this calculator provides an estimate; the Social Security Administration (SSA) makes the final determination. Don't forget that certain income and assets are excluded, such as the value of your primary residence and one vehicle, so be sure to accurately report these. A common mistake is overlooking state supplementary payments, which can increase your total benefit but are not included in this federal-focused calculation.

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.

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