Tool · SSI
SSI Payment Estimator for 2026
How Much SSI Would You Get?
SSI starts from the 2026 federal benefit rate, $994 a month for an individual or $1,491 for a couple, and subtracts your countable income. Enter your monthly income to see the federal amount SSA would pay before any state supplement.
Your Monthly Income
How SSA Works Out Your SSI
- Start with your unearned income and subtract the $20 general income exclusion. If your unearned income is under $20, the rest of the exclusion comes off your earnings.
- From your earnings, subtract $65, then count only half of what's left.
- Add the two results: that's your countable income. Subtract it from $994 (or $1,491 for a couple). What's left is your federal SSI payment.
This is the core of SSA's rules, from POMS SI 00810.420 and SSA's work rules for SSI. SSA also excludes some other income and treats free food or shelter, deemed income from a spouse or parent, and living in a facility in its own ways, so read how SSI works for the full picture.
States That Add to the Federal Payment
43 of the states covered here pay a state supplement to some SSI recipients. Amounts depend on where you live and who you live with, so they aren't added above; each state page has the details.
- Alaska disability benefits and SSI supplement
- California disability benefits and SSI supplement
- Colorado disability benefits and SSI supplement
- Connecticut disability benefits and SSI supplement
- Delaware disability benefits and SSI supplement
- District of Columbia disability benefits and SSI supplement
- Florida disability benefits and SSI supplement
- Hawaii disability benefits and SSI supplement
- Idaho disability benefits and SSI supplement
- Illinois disability benefits and SSI supplement
- Indiana disability benefits and SSI supplement
- Iowa disability benefits and SSI supplement
- Kansas disability benefits and SSI supplement
- Kentucky disability benefits and SSI supplement
- Louisiana disability benefits and SSI supplement
- Maine disability benefits and SSI supplement
- Maryland disability benefits and SSI supplement
- Massachusetts disability benefits and SSI supplement
- Michigan disability benefits and SSI supplement
- Minnesota disability benefits and SSI supplement
- Missouri disability benefits and SSI supplement
- Montana disability benefits and SSI supplement
- Nebraska disability benefits and SSI supplement
- Nevada disability benefits and SSI supplement
- New Hampshire disability benefits and SSI supplement
- New Jersey disability benefits and SSI supplement
- New Mexico disability benefits and SSI supplement
- New York disability benefits and SSI supplement
- North Carolina disability benefits and SSI supplement
- Ohio disability benefits and SSI supplement
- Oklahoma disability benefits and SSI supplement
- Oregon disability benefits and SSI supplement
- Pennsylvania disability benefits and SSI supplement
- Rhode Island disability benefits and SSI supplement
- South Carolina disability benefits and SSI supplement
- South Dakota disability benefits and SSI supplement
- Texas disability benefits and SSI supplement
- Utah disability benefits and SSI supplement
- Vermont disability benefits and SSI supplement
- Virginia disability benefits and SSI supplement
- Washington disability benefits and SSI supplement
- Wisconsin disability benefits and SSI supplement
- Wyoming disability benefits and SSI supplement
Frequently Asked Questions
What Is the Maximum SSI Payment in 2026?
The federal SSI payment is $994 a month for an eligible individual and $1,491 for an eligible couple in 2026. Some states add a supplement on top.
What Income Doesn't Count for SSI?
SSA doesn't count the first $20 of most income each month, the first $65 of earnings plus half of the rest, and several other kinds of income and help. Your exact countable income is SSA's decision.
How Much Can I Earn and Still Get SSI?
Because SSA ignores the first $65 of earnings and half of the rest, your SSI drops by only $1 for every $2 you earn over $65. Payments end when countable income reaches the federal benefit rate.
Does SSI Have a Resource Limit?
Yes. Countable resources must be $2,000 or less for an individual and $3,000 for a couple. SSA disregards up to $100,000 in an ABLE account.
Why Might My SSI Be Different From This Estimate?
Free food or shelter from others, living in someone else's household or a facility, income deemed from a spouse or parent, and state supplements all change the amount. SSA works these out from your circumstances.