SSI Payment Calculator
Estimate your 2026 monthly Supplemental Security Income (SSI) from your income and living situation.
Best for: Use it before applying, when starting a job (to see how earnings lower your SSI), or to understand the combined couple rate.
Input
Result
EstimateEstimated monthly SSI: $994 About $11,928 per year Breakdown Federal maximum (individual): $994.00 – Housing reduction (one-third): −$0.00 – Counted income: −$0.00 (from work −$0.00, other −$0.00) = Federal payment: $994.00 + State supplement: $0.00 = Estimated monthly SSI: $994.00 Remember: this estimates your payment, not whether you pass SSI's $2,000 (individual) / $3,000 (couple) resource limit.
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Next: PPF CalculatorMore about this result
- Type
- Government / Standard
- Method
- Official / government standard
- Confidence
- High
Uses an official government, statutory or medical standard (e.g. tax rules, WHO ranges).
Explore scenarios
- Other income· Most impactful— +$500/mo
- Who pays for housing· Moderately impactful— living situation
- Income from work· Least impactful— +$500/mo
Estimate using SSA's basic rules; not an official determination.
The figure is your likely monthly SSI. If countable income is more than the federal maximum, the federal payment is $0 — you might still get a state supplement or qualify in a lower-income month.
- 1.Other (unearned) incomeHigh impact
Reduces SSI nearly dollar-for-dollar after a small exclusion.
- 2.Earned incomeHigh impact
Wages reduce SSI, but only after the work exclusions.
- 3.Living situationMedium impact
Who pays for your food and shelter can lower the federal benefit.
- Inflation often matters more than expected over the long run.
- Small rate changes can significantly affect total outcomes.
- Long-term consistency usually beats short-term timing.
Small, consistent changes compound: time in the market usually beats timing the market.
How it's calculated & sources
Method: starts from the 2026 Federal Benefit Rate ($994 individual / $1,491 couple), applies the one-third "someone else pays for food & housing" reduction (VTR) where chosen, then subtracts countable income — the $20 general exclusion, the $65 earned-income exclusion, and one-half of remaining earnings — and adds any state supplement you enter. A Medicaid-funded facility uses the flat $30 federal rate.
Sources: U.S. Social Security Administration — SSI Federal Payment Amounts & annual COLA (ssa.gov). Reviewed June 2026. This is an estimate using SSA's basic SSI rules, not an official determination; SSA applies additional rules (income deeming, special exclusions, state policies).
- 2026 federal benefit rate
- Standard $20 general and $65 earned-income exclusions
- State supplements vary and are not all included
Free & no sign-up · runs entirely in your browser. Results are estimates for general information, not professional advice — verify important decisions with a qualified expert. Last reviewed June 2026.
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