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Independent estimate · Not SSA
SSI

SSI Benefits Calculator

Estimate a federal Supplemental Security Income (SSI) monthly payment using 2026 Federal Benefit Rates and standard income exclusions. State supplements and in-kind support are not included.

Official Data Verification: Published SSA rule planning model
Audited against Federal Reserve Holiday Calendar
Primary Authority: Social Security Administration (SSA)
Regulatory Basis: POMS GN 02401.000 & 20 CFR § 404.1807
Transparency & Trust:Our Methodology•Official Data Sources•Editorial & Accuracy Policy•Report Correction
Income & household

2026 FBR: individual $994 · couple $1,491

Estimated federal SSI payment

$994

About $11,928 / year

Max FBR

$994

Countable income

$0

Countable earned

$0

State supplements and in-kind support/maintenance are not modeled.

Frequently asked questions

It starts from the 2026 federal SSI Federal Benefit Rate (FBR) for an individual or eligible couple, then subtracts estimated countable income after standard exclusions.

No. Many states add a supplement. This tool estimates the federal SSI portion only and does not model every state rule.

After the general and earned-income exclusions, roughly half of remaining earned income is treated as countable, which reduces the federal SSI payment dollar for dollar against the FBR.

No. Resource (asset) limits and in-kind support/maintenance are not modeled. Confirm eligibility rules with SSA or your state.

Related tools

SSI eligibility checkerSSI payment datesSSDI benefits calculatorSSI schedule rulesAll calculators

Official Primary Data Sources

Verified against federal statutes, agency publication manuals, and Federal Reserve rules.

Schedule of Social Security Benefit Payments (SSA Pub 05-10031)
Social Security Administration

Official annual disbursement schedule detailing 2nd, 3rd, and 4th Wednesday delivery dates.

Title 20 Code of Federal Regulations § 404.1807
U.S. Government Publishing Office

Federal statutory regulation governing staggered Wednesday payments based on beneficiary birth dates.

Federal Reserve Board Financial Services Operating Holidays
Federal Reserve System

Standard banking holidays (Title 5 U.S.C. 6103) governing prior-business-day deposit shifts.

Bureau of Labor Statistics CPI-W Inflation Data
U.S. Department of Labor

Consumer Price Index for Urban Wage Earners used for statutory COLA calculations under 42 U.S.C. § 415.

Independent calculation engine reviewed monthly by policy researchers.
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