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SSI: How to calculate your Supplemental Security Income payments

Millions of Americans get help with SSI, or Supplemental Security Income. Benefits are paid the first full month after approval.

social security card and cash representing Social Security benefits like ssi

As people continue to try and navigate their finances after the pandemic, many are seeing if they qualify for SSI benefits.

Others are going as far as calculating what it is they would be paid for SSI.


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SSI benefits explained

SSI stands for Supplemental Security Income.

This program gives a monthly payment to children and adults with a disability or who are blind.

The Social Security Administration will determine how much you’re entitled to.


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Your counted unearned income and earned income are deducted from the maximum federal benefit.

That is $783 for individuals and $1,175 for couples.

The difference is your monthly benefit.

If your income exceeds this amount you’re ineligible.


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Residing in any sort of public institution for 30 or more consecutive days will also make you ineligible.

If a person tries to game the system by selling a resource that counts for less than it’s worth, they could be banned for up to 3 years.

To calculate what you might make from SSI, subtract your income from the $783 or $1,175, whichever applies to your situation.

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