SSI Calculator — Supplemental Security Income Benefit Estimator

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국민연금 월 수령액 (원)

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How to use

1 Confirm eligibility: 65+, blind, or disabled, and resources under $2,000 (individual) or $3,000 (couple).
2 Enter your monthly earned income (wages, net SE earnings) and unearned income (Social Security, pensions, support payments).
3 Indicate your living arrangement: own home/rent (full FBR), live in someone's household receiving in-kind support and maintenance (reduced rate), or institutional care.
4 Click Calculate to see estimated monthly federal benefit (after countable-income reduction). Some states add state supplement amounts (CA, NY, MA, etc.).
5 Apply at SSA.gov, your local SSA field office, or 1-800-772-1213. Approval typically takes 3-5 months. Most denials are appealed; about 50% of appeals succeed at the hearing level.

2026 SSI Federal Benefit Rate (FBR)

Living arrangement	Individual	Couple
Standard (own home, rent)	$994/month	$1,491/month
Living in another's household (full ISM)	~$663/month	~$994/month
Medical institution (Medicaid pays)	$30/month	$60/month

SSI Resource Limits

Resource limit	Amount
Individual	$2,000
Couple	$3,000
Excluded	Primary home, 1 vehicle, household goods, life insurance up to $1,500 face value, burial fund up to $1,500

Income Counting Rules

SSI uses complex income-counting rules. Earned income: first $20 disregarded ("general exclusion"), next $65 disregarded ("earned income exclusion"), then 50% of remaining is "countable." Unearned income (Social Security, pensions): first $20 general exclusion, then 100% counts. Each $1 of countable income reduces SSI benefit by $1. So a person earning $400/month sees their SSI benefit reduce by approximately $158 — they can keep more than $1 of every $2 earned.

SSI vs. SSDI

	SSI	SSDI
Funding	General tax revenue	FICA/Social Security trust fund
Eligibility	Need-based + 65/blind/disabled	Work history + disability
Asset limit	$2,000 / $3,000	None
Health insurance	Medicaid (most states)	Medicare after 24 months
Max benefit (2026)	$994 single / $1,491 couple	~$4,018/month max (varies)

State Supplements

Many states add a State Supplement on top of the federal SSI amount. Examples: California adds approximately $238 (single living independently); Massachusetts ~$130; New York varies by living arrangement. Some states (Texas, Tennessee, Mississippi) provide no state supplement. Check your state's SSA office or social services for current amounts.

FAQ

Q What is the maximum SSI benefit in 2026?

$994/month for an eligible individual; $1,491/month for an eligible couple. These are the federal benefit rates (FBR). State supplements may add to these in many states. Most SSI recipients receive less than the maximum due to other income.

Q What's the difference between SSI and SSDI?

SSI is need-based welfare for low-income aged/blind/disabled. SSDI is earned through work history (40 quarters of FICA contributions, with 20 in the last 10 years). SSI has $2,000/$3,000 resource limits; SSDI has none. Many people qualify for both — concurrent benefits — though SSDI reduces SSI dollar-for-dollar.

Q What are the SSI resource limits?

$2,000 for an individual, $3,000 for a couple. Excluded: primary home, 1 vehicle, household goods, life insurance up to $1,500 face value, and burial fund up to $1,500. ABLE accounts (529A) for disabled individuals allow saving up to $19,000/year (2026) without losing SSI eligibility.

Q How does income reduce my SSI?

Earned income: first $85 is excluded ($20 general + $65 earned), then 50% of remaining counts. Unearned income: first $20 general exclusion, then 100% counts. Each $1 of countable income reduces SSI by $1. A worker earning $400/month sees about $158 reduction, leaving $836 SSI — combined $1,236.

Q How long does SSI take to approve?

Initial decision: typically 3-5 months. About 30% are approved initially. Reconsideration appeals: another 3-4 months, with about 15% approval. Hearing before an Administrative Law Judge: 12-24 months wait, with about 50% approval. Total: median time from application to approval is roughly 18-24 months.

Q Can SSI recipients work?

Yes — SSI encourages work through earned income exclusions. The first $85 of earnings each month doesn't reduce benefits at all. Above that, 50% counts. Plan to Achieve Self-Support (PASS) and Impairment-Related Work Expense (IRWE) provisions allow some additional exclusions. Working can preserve Medicaid eligibility under "1619(a)" rules in most states.

Q Is SSI taxable?

No — SSI benefits are not subject to federal income tax. State tax: also generally not taxed. SSDI is taxable for higher-income recipients (combined income over $25,000 single / $32,000 MFJ); SSI is not, regardless of any other income.

Q What states have the highest SSI state supplement?

California (largest supplement, ~$238 for individual living independently), New Jersey, Massachusetts, Vermont, New York, and DC offer significant supplements. Texas, Tennessee, Mississippi, North Dakota, West Virginia, and Northern Mariana Islands provide no state supplement. Check your state's social services agency for current amounts and conditions.