SSI Eligibility Checker & Payment Estimator (2026–2027)
See if you may qualify for Supplemental Security Income and estimate your monthly payment. The checker applies SSA's resource limits, income exclusions, and the federal SSI rate of $994 in 2026 and $1,029 in 2027.
Written and fact-checked by the CheckPayDate.com Editorial TeamPublished October 28, 2026Last reviewed October 28, 2026How we review
Quick Answer
- Who: people 65 or older, blind, or with a qualifying disability.
- Resources: $2,000 or less ($3,000 for a couple). Your home and usually one car don't count.
- Income: your countable income must be below the federal rate — $994/mo in 2026, $1,029 in 2027 for an individual.
- No work history needed — unlike SSDI.
Check Your SSI Eligibility
Monthly amounts · private, runs in your browser
You may qualify for SSI
Your estimated federal SSI payment is about $714.00 a month, before any state supplement.
- Age, blindness, or disabilityAge 65 or older — no disability required.
- ResourcesCountable resources of $1,200 vs. the $2,000 limit. Your home and usually one car don't count.
- IncomeCountable income of $280 vs. the 2026 federal rate of $994.
- Citizenship or immigration statusU.S. citizens and nationals meet this requirement.
SSI Payment Amounts and Limits
| 2026 | 2027 | |
|---|---|---|
| Maximum federal SSI — individual | $994/mo | $1,029/mo |
| Maximum federal SSI — couple | $1,491/mo | $1,544/mo |
| Resource limit | $2,000 individual · $3,000 couple (not indexed to inflation) | |
The 2027 rate starts with the payment made Thursday, December 31, 2026, because January 1 is a holiday.
Worked Example From SSA
SSA's own example: someone whose only income is a $300 Social Security benefit has $280 of countable income after the $20 exclusion. Their 2026 SSI is $994 − $280 = $714. Someone earning $317 from work has countable income of $116 ($317 − $20 − $65, then halved), so their SSI is $878. Try both in the checker.
What This Estimate Doesn't Include
- State supplements — many states add money to the federal payment.
- Living arrangements — free or reduced-cost housing from someone else can lower SSI. Since September 30, 2024, food help no longer counts.
- Deemed income — some income of a spouse, parents (for children), or a noncitizen's sponsor may count.
- Other exclusions — such as SNAP, tax refunds, and work expenses for people who are blind or disabled.
How to Apply for SSI
Call 1-800-772-1213 (TTY 1-800-325-0778) or book an appointment at a local office. Some adults with a disability can start online. Bring proof of age, citizenship or immigration status, income, bank balances, and your living arrangements.
How to make a Social Security appointmentFrequently asked questions
Related guides & tools
Official Primary Data Sources
Rules and examples from SSA's SSI pages, checked October 28, 2026. Estimates cover federal SSI only and don't include state supplements, living-arrangement reductions, or income deemed from a spouse, parent, or sponsor.
Income, resource ($2,000 / $3,000), and age-or-disability requirements.
Income that doesn't count, and SSA's worked examples using the $20 and $65 exclusions.
What counts as a resource; the home and one vehicle are usually excluded.
SSI federal payment of $1,029 (individual) and $1,544 (couple) in 2027.
Which noncitizens may qualify for SSI.