1. What is SSI?

SSI (Supplemental Security Income) is a federal income supplement program funded by general tax revenues (not Social Security taxes). It helps aged, blind, and disabled people who have little or no income by providing cash to meet basic needs for food, clothing, and shelter.

2. How Are SSI Benefits Calculated?

The basic SSI calculation is:

Where:

• Federal Rate — The maximum monthly SSI payment set by federal law
• Countable Income — Your income after all allowable deductions

Note: SSI benefits cannot be negative. If countable income exceeds the federal rate, benefits will be $0.

3. Understanding the Components

Federal Rate: This is the maximum monthly SSI payment amount set by law. In 2023, the federal benefit rate is $914 for an individual and $1,371 for a couple.

Countable Income: This includes wages, Social Security benefits, pensions, and other income minus certain exclusions. Not all income counts for SSI.

4. Using the Calculator

Instructions: Enter the current federal rate and your countable income (after all applicable deductions). The calculator will determine your monthly SSI benefit amount.

5. Frequently Asked Questions (FAQ)

Q1: What income is excluded from SSI calculations?
A: The first $20 of most income, first $65 of earnings plus half of remainder, SNAP benefits, housing subsidies, and some other types are excluded.

Q2: How often does the federal rate change?
A: The federal rate is typically adjusted annually for cost-of-living increases.

Q3: Can I receive SSI if I have other income?
A: Yes, but your SSI payment will be reduced based on your countable income.

Q4: Are state supplements included in the federal rate?
A: No, some states add money to the federal SSI payment. This calculator only uses the federal rate.

Q5: Where can I find the current federal rate?
A: The Social Security Administration publishes current rates on their official website.