BenefitCalculators.com

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Could you get a monthly payment if your income and savings are low?

SSI Eligibility & Payment Calculator

Check whether you may qualify for Supplemental Security Income, and estimate your monthly payment.

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Independent site, not a government agency. Every result is an estimate.

Your Situation

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Wages and net self-employment income.

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Social Security, pensions, unemployment, interest.

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Bank accounts, stocks, bonds. Your home and one vehicle do not count.

Your Result

Enter your situation to see whether you may qualify

2026 SSI Limits

Limit Individual Couple
Maximum monthly payment $994 $1,491
Countable resource limit $2,000 $3,000
General income exclusion $20 $20
Earned income exclusion $65 $65

This is an educational estimate. State supplements and living arrangements change the real amount. For an official determination, visit ssa.gov/ssi.

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Latest articles and important updates to help you understand and make the most of your benefits.

  1. Work & Income SSI Income and Resource Limits: Do I Qualify and What Would It Pay? SSI asks nothing about your work record. What the federal benefit rate pays, which income is ignored, and why the resource limit is the rule that surprises people.
  2. Work & Income Working While on SSI: How Earnings Affect Your Benefit and Medicaid On SSI, the first $85 of earnings is ignored and your check drops $1 for every $2 you earn after that. See the rules, the Medicaid protection and work incentives.
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  6. Social Security How to Replace a Lost Social Security Card, Online or in Person Replacing a lost or stolen Social Security card is free. Who can do it online, the documents needed otherwise, the limits on replacements and when no card is needed.
  7. Social Security Retiring Abroad: How Social Security Pays You Outside the U.S. Can you get Social Security while living abroad? How payments reach you overseas, where they stop, the six-month rule for noncitizens and what Medicare covers.
  8. Social Security When to Claim Social Security: 62, 67 or 70? Claim at 62 and your benefit is up to 30 percent smaller for life; wait to 70 and it is 24 percent larger. How health, work, marriage and savings shape the choice.
  9. Social Security How Much Social Security Will I Get? What decides the size of a Social Security retirement check: your earnings record, your full retirement age, and the age you claim. Free estimate, no SSN needed.
  10. Social Security Social Security Spousal Benefits: Who Qualifies A spousal benefit can be up to half your spouse's full retirement amount. Who qualifies, how divorce changes it, and why claiming early cuts it.

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Educational Tool

Designed to help you understand how claiming age affects your benefits.

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

SSI vs. SSDI vs. Social Security Retirement — What’s the Difference?

These three programs are often confused:

  • SSI:Needs-based, no work history required, funded by general tax revenue.
  • SSDI:For people with a qualifying disability and enough work credits.
  • Social Security Retirement:Based entirely on your work history and lifetime earnings.

You may be eligible for more than one program depending on your situation.

Is This Calculator Accurate?

This is an educational estimate only. State supplements, living arrangements, and specific income exclusions can significantly change your actual payment. For an official determination, contact the SSA at 1-800-772-1213 or visit your local SSA office.