SSI & SSDI Benefits Calculators

Thinking about working while you receive SSI or SSDI? These free calculators estimate what your paycheck could look like and how Social Security's rules would affect your benefits. Use them for planning, then call ACO at 414-239-6465 for a free benefits consultation tailored to your situation.

SSI: Supplemental Security Income • SSDI: Social Security Disability Insurance

SSDI: Estimate Your Earnings

Explore how your preferred schedule and hourly pay could translate into gross weekly, monthly, and annual income before taxes or deductions.

Your Work Plan

Desired hours per weekDesired hourly pay ($)

Which SGA amount should we compare?

Estimated gross monthly income

$1,299

Weekly$300

Annual$15,600

Trial Work Period (SSDI): $1,210/month

This estimate is above the 2026 Trial Work Period level. A month at this projected pay would generally count as a trial work month.

SGA (SSDI & SSI — non-blind): $1,690/month

This estimate is below the 2026 SGA amount for a person who is not blind. Earnings below SGA may still affect benefits, but are under this earnings guideline.

This is a rough planning estimate only — not an official Social Security determination. SSA thresholds change every year; confirm current figures at ssa.gov or with ACO before making work decisions.

SSI: Estimate Your SSI Payment

SSI does not count every dollar you earn. Enter a work plan below to see roughly how your monthly SSI payment could change and what your total monthly income would look like.

Total Financial Outcome

$1,686.00/ month

Estimated Net SSI Payment$387.00

Gross Monthly Earnings$1,299.00

Your Work Plan

Desired hours per weekDesired hourly pay ($)Other monthly unearned income ($)Such as SSDI, child support, or unemployment. Enter 0 if none.Impairment-related work expenses ($/mo)Disability-related costs you pay to work (IRWE). Optional.Blind work expenses ($/mo)Only for SSI recipients who are blind (BWE). Optional.Student Earned Income Exclusion ($/mo)For students under 22 regularly attending school (SEIE). Optional.IDA contribution ($/mo)Earnings saved in an Individual Development Account. Optional.PASS deduction ($/mo)Income set aside under an approved Plan to Achieve Self-Support. Optional.Base SSI rate ($/mo)$994 if you live alone and pay your own way (FBR); $663 if you live in someone else's household (VTR). Add any state supplement.

Based on the 2026 SSI federal benefit rate of $994 per month for an individual, following the SSI calculation worksheet order: $20 GIE, SEIE, IDA, $65 EIE, IRWE, divide by 2, BWE, then PASS. Income after work expenses = SSI + earnings + other income − PASS, BWE, IRWE and IDA.

Estimated monthly SSI payment

$387

Counted earnings$607

Income after work expenses$1,686

Step-by-step Worksheet

Step 1 — Countable unearned income (after $20 GIE)$0
Step 2 — Gross earned income$1,299
After Student Earned Income Exclusion$1,299
After IDA contribution$1,299
After leftover GIE$1,279
After $65 Earned Income Exclusion$1,214
After IRWE$1,214
Divide by 2$607
After BWE = countable earned income$607
Step 3 — Total countable income (after PASS)$607
Step 4 — $994 base rate minus countable income$387

SSI Earned Income Rules

SSI counts half of your earnings above the first $85 per month, so your payment drops far more slowly than your paycheck rises — and your total income still grows as you work more.

This is a rough planning estimate only — not an official Social Security determination. Do not include SSI itself as unearned income. SSI amounts change every year; confirm current figures at SSA SSI Information or with ACO before making work decisions.