What Is SSI?
Supplemental Security Income (SSI) is a federal program that provides monthly payments to people with limited income and resources who are 65 or older, blind, or disabled. Unlike Social Security retirement benefits, SSI does not require a work history — eligibility is based on financial need.
2026 SSI Income and Asset Limits
To qualify for SSI in 2026:
- Your countable income must generally be under $994/month for an individual ($1,491/month for a couple).
- Your countable assets must be under $2,000 for an individual ($3,000 for a couple). Your home and one vehicle typically don’t count toward this limit.
Many states also add a supplemental payment on top of the federal amount, so your actual payment may be higher depending on where you live.
How Is My SSI Payment Calculated?
Your monthly SSI payment is generally calculated as:
Maximum Federal Benefit Rate − Your Countable Income = Your SSI Payment
Not all income counts. For example, the SSA excludes the first $20 of most monthly income and a portion of earned income. This calculator applies these common exclusions to give you a closer estimate.
Important Disclaimer
This calculator provides a simplified estimate for educational purposes. It assumes a steady income history and does not account for complex factors like inflation, spousal benefits, windfall elimination, or future changes to Social Security law. For your official figures, create a free account at ssa.gov/myaccount