What is different in New York
- New York raises the SNAP gross income limit to 150% of poverty for households with earned income. Without it the federal 130% applies.
How SNAP Benefits Are Calculated
Three gates, then one subtraction. A household must be under the resource limit, under 130% of the poverty line on gross income, and under 100% of it on net income after deductions. Clear all three and the benefit is the maximum allotment for the household's size, less 30% of net income — the share a household is assumed to be able to spend on food itself.
Maximum allotment − (30% of net income) = your monthly benefit
2026 Income and Asset Limits
The income tests use the same current-year poverty guidelines as Medicaid, converted to a monthly figure. For the 48 states and D.C. that puts the gross limit at $1,729 a month for one person, $2,344 for two, $2,960 for three and $3,575 for four; the net limit is the poverty line itself. The federal resource limit is $3,000, and neither your home nor one vehicle counts toward it.
Most states do not actually apply that resource limit, or the 130% gross test, because Broad-Based Categorical Eligibility lets them set their own — often 200% of the poverty line, sometimes with no asset test at all. This page uses the plain federal rule, which is the strictest version anyone faces. A household this page turns away may well be accepted by its state.
What Deductions Does This Calculator Use?
Three of them, in this order:
- Earned income deduction: 20% of wages and self-employment income, on the reasoning that earning money costs money. Other income — benefits, pensions, support — gets no such deduction.
- Standard deduction: a flat amount every household gets — $209 for one to three people, $223 for four.
- Excess shelter deduction: rent, mortgage and utilities count only where they take more than half of what is left after the first two deductions, and only up to $744 a month. It is meant for a genuinely crushing rent, not for any rent.
Three real deductions are left out: medical expenses over $35 a month for household members who are elderly or disabled, the cost of child or dependent care that lets someone work, and a flat deduction for households with no fixed address. Each would lower net income and raise the benefit, so a household entitled to any of them will do better than this page says.
Important Disclaimer
This is an educational estimate only, using simplified federal SNAP rules for the 48 states and D.C. Your state may use broader income limits (BBCE) or additional deductions that increase your actual eligibility or benefit. For an official determination, contact your state's SNAP agency. fns.usda.gov
Is This Calculator Accurate?
It applies the federal formula exactly, in the order a caseworker would: assets, gross income, deductions, net income, allotment. Where it will be wrong is in being too strict. It uses the plain federal limits rather than your state's broader ones, and it leaves out three deductions that only some households qualify for. It also stops at four people and assumes the 48 states and D.C. So a benefit here is a floor rather than a forecast, and a refusal here is a reason to apply anyway.