1. What is Countable Income for SSI?

Countable income is the amount left after subtracting all applicable exclusions from gross income. SSI uses this amount to determine eligibility and benefit levels. Only countable income affects your SSI payment.

2. How Does SSI Calculate Income?

SSI uses a simple formula to calculate countable income:

Key Concepts:

• Gross Income: All income before any deductions
• Exclusions: Certain types of income that SSI doesn't count
• Countable Income: The amount used to determine your SSI benefit

Important: SSI applies different rules to earned vs. unearned income, with higher exclusions for earned income.

3. Common Income Exclusions

For Earned Income:

• First $65/month plus half the remainder
• Impairment-related work expenses
• Income used to pay for disability-related services

For Unearned Income:

• First $20/month of most types
• Supplemental Nutrition Assistance Program (SNAP) benefits
• Housing assistance

4. Using the Calculator

Instructions:

1. Enter your total gross income per month
2. Enter the total of all applicable exclusions
3. Click "Calculate" to see your countable income

Note: This calculator provides an estimate. Actual SSI determinations may vary based on specific circumstances.

5. Frequently Asked Questions (FAQ)

Q1: What's the difference between earned and unearned income?
A: Earned income comes from working (wages, self-employment). Unearned income includes benefits, pensions, and gifts.

Q2: How often does countable income change?
A: SSI recalculates monthly based on your current income. Report changes promptly.

Q3: Are all exclusions automatic?
A: No, some require documentation (like work expenses). Always report income accurately.

Q4: How does countable income affect my SSI payment?
A: Your SSI payment equals the maximum benefit minus your countable income.

Q5: Is there a maximum countable income for SSI?
A: Yes, if countable income exceeds the SSI benefit rate, you become ineligible.