2025 SSI Income Calculator

Use this tool to help you calculate how you might keep your benefits and maintain an earned income! For more detailed information, please read our articles, or check with the Social Security Administration, or a Certified Work Incentive Practitioner that can help you understand how work will affect your benefits.

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Welcome to the 2025 SSI and Income Calculation Tool

This is just a tool and is only an estimation of your possibilities. For more detailed information, please read our articles or check with the Social Security Administration, or a Certified Work Incentive Practitioner.

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GIElim(Required)

General Income Exclusion Limiter 2025

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ySEIElim(Required)

Yearly Student Income Exclusion Limiter 2025

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mSEIElim(Required)

Monthly Student Income Exclusion Limiter 2025

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EIE(Required)

EIE 2025

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SSImaxlim(Required)

Monthly SSI Payment Limiter 2025

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1619Blim(Required)

Hawaii 1619B Benchmark Limiter 2025

Do you currently receive SSI benefits?(Required)

The SSI program makes cash assistance payments to the aged, blind, and people with disabilities (including children) who have limited income and resources. You can learn more by visiting the Social Security Administration’s website here.

Yes

What is your standard benefit rate, before any adjustments for income?(Required)

***If you don’t know, we can calculate with the federal standard, but it will affect the accuracy of this form.

Please enter a number from 0.01 to 967.

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cSSI(Required)

Defining base SSI as input by user. HIDE

NOTICE: We need your SSI benefit info to proceed

To calculate your estimated SSI Benefits with earned income, we need to know your current SSI benefits amount without adjustments for Gross Earned Income. Please come back and visit when you know how much your current monthly SSI benefit is without Gross Earned Income Calculations.

Do you receive any unearned income?(Required)

According to the Social Security Administration, unearned Income is all income that is not earned such as Social Security benefits, pensions, State disability payments, unemployment benefits, interest income, dividends, and cash from friends and relatives. For more information, please consult this page on the Social Security Administration’s website.

Yes

How much unearned income do you receive every month?(Required)

Please enter a number greater than or equal to 0.

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UI(Required)

Defining UI as input by user. HIDE

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GIE(Required)

Calculating GIE with UI and GIElim. HIDE

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remGIE(Required)

Calculating remGIE with UI and GIElim. HIDE

What is your expected Gross Earned Income per month?(Required)

Gross Earned Income is what employees earn before taxes, benefits, and other payroll deductions are withheld from their wages.

Please enter a number greater than or equal to 0.

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GEI(Required)

Defining GEI as input by user. HIDE

Are you a student, under 22, that regularly attends school?(Required)

Yes

You may qualify for the Student Earned Income Exclusion (SEIE)

If you are under age 22 and regularly attending school, the SEIE allows you to have some of your earnings excluded from your income. SSA usually adjusts the amounts you can exclude each year based on the cost-of living. To find out more about SEIE, visit this page on the Social Security Administration’s website.

Would you rather skip the Student Earned Income Exclusion (SEIE) calculation?(Required)

In order to estimate more accurately, we need to know how much of your Student Earned Income Exclusion you have used in the current year. If you are unsure, we can skip this section, and continue our calculations as if you were not qualified for this exclusion.

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Continue with Student Earned Income Exclusion

How much of your Student Earned Income Exclusion have you used this year?(Required)

Please enter a number greater than or equal to 0.

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ytdSEIE(Required)

Defining Year to Date SEIE use as input by user. HIDE

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SEIE(Required)

Calculating SEIE. HIDE

Do you have any qualifying Impairment Related Work Expenses (IRWE)?(Required)

When the Social Security Administration (SSA) makes a Substantial Gainful Activity (SGA) decision, the SSA can deduct the cost of items and services that you pay out of pocket and that you need to work because of your impairment . Some examples are: medicines, co-pays, service animals, counseling services, and attendant care services. It does not matter if you also need the items for normal daily activities. The SSA can usually deduct the cost of these same items from earned income to figure your Supplemental Security Income (SSI) payment. To learn more about what may qualify for IRWE please visit this page on the Social Security Administration’s website. To learn about SGA, please visit this page on the Social Security Administration’s website.

Yes

How much are your monthly Impairment Related Work Expenses?(Required)

Please enter a number greater than or equal to 0.

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IRWE(Required)

Defining Impairment Related Work Expenses as input by user. HIDE

Do you have any qualifying Blind Working Expenses (BWE)?(Required)

If you are blind, the Social Security Administration will not count any earned income that you use to meet expenses in earning that income when they decide your SSI eligibility and payment amount . Common examples of BWE include state and federal payroll taxes, and money spent for meals at work. To learn more about BWE, please visit this page on the Social Security Administration’s website.

Yes

How much are your monthly Blind Working Expenses?(Required)

Please enter a number greater than or equal to 0.

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BWE(Required)

Defining Blind Work Expenses as input by user. HIDE

Do you receive a Plan to Achieve Self Support (PASS) deduction?(Required)

Under an approved PASS, you may set aside income and resources over a reasonable time that will enable you to reach a work goal to become financially self-supporting. You can use the income and resources that you set aside to obtain training or education, purchase equipment, establish a business, etc. The Social Security Administration (SSA) does not count the income and resources that you set aside under a PASS when they decide Supplemental Security Income (SSI) eligibility and payment amount. To learn more about PASS, please visit this page on the Social Security Administration’s website.

Yes

What is your monthly PASS amount?(Required)

Please enter a number greater than or equal to 0.

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PASS(Required)

Defining Plan to Achieve Self Support deduction as input by user. HIDE

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Big Calculations Test Area

At some point, need to check negatives.

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TCUI(Required)

Calculating TCUI as UI – GIE. HIDE

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TCEI(Required)

Calculating TCEI. HIDE

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TCI(Required)

Calculating TCI as TCUI + TCEI – PASS. HIDE

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SSI(Required)

Calculating SSI as cSSI – TCI. HIDE

Proximity to Hawaii Medicaid Eligibility 1619B Benchmark(Required)

If you receive Supplemental Security Income (SSI), you may lose your income if you are making more than a certain amount per year. Based on a 12 month average of your estimated monthly Gross Earned Income, this number reflects how close you are to overtaking the yearly limit for the state of Hawaii. To learn more about Medicaid eligibility and Section 1619(B), please visit this page on the Social Security Administration’s website. For continued Medicaid eligibility after this benchmark, check with your local Social Security office.