Free · Updated 2026 · SSDI & SSI

SSDI Benefit Calculator: Estimate Your Social Security Disability Payment

Use this free SSDI benefit calculator and social security disability calculator to estimate a possible monthly SSDI or SSI payment, see which program fits your situation, and review state SSI supplements. Uses 2026 figures for educational planning.

Estimate my monthly benefit ↓Help me choose SSDI or SSI
SSDI & SSI covered
2026 benefit rates
Instant results
No sign-up needed

Start with the right program

A clearer path through SSDI and SSI

This calculator is educational and cannot determine eligibility or an official award. The Social Security Administration uses your full record, medical evidence and program rules.

Disability Benefits Estimator

Estimate your SSDI or SSI monthly payment

SSDI is work-based. SSI is need-based for limited income/resources.
Your average monthly wage before disability (SSDI only)
Any other income (SSI only)
Estimated Monthly Benefit
—
Estimate only. Actual SSA benefit calculated from your complete earnings record.
Program—
Base monthly benefit—
State supplement—
Annual benefit—
Estimated back pay—
Medicare / Medicaid—
⚠ Important DisclaimerThis calculator uses the SSA's 2026 PIA bend point formula with simplified inputs. Your actual benefit is calculated by the SSA using your complete lifetime earnings record. Always verify at ssa.gov. Consult a licensed disability attorney for case-specific advice.

A disability attorney or accredited representative can help with evidence, forms and appeals, usually with no upfront cost (fees are typically a percentage of back pay, capped by the SSA).

Get a Free Consultation →

SSDI vs SSI — What's the Difference?

Two separate programs, different rules. Understanding which applies to you is the first step.

SSDI

Social Security Disability Insurance

EligibilityMust have worked and paid Social Security taxes (work credits)
Benefit amountBased on your lifetime earnings record (avg $1,630/mo, max $4,152)
Health coverageMedicare after 24 months of benefits
Family benefitsSpouse and children may also receive benefits
Back payUp to 12 months retroactive; 5-month waiting period

SSI

Supplemental Security Income

EligibilityNeed-based — limited income and resources (max $2,000 in assets)
Benefit amountFederal rate $994/mo (single), $1,491 (couple) + state supplements
Health coverageMedicaid usually follows approval (rules vary by state)
Family benefitsNo auxiliary family benefits
Back payBack pay from application date only; no retroactive benefits

How Our Calculator Works

Simple inputs, official SSA formulas

1

Choose Your Program

Select SSDI if you have a work history, or SSI if you have limited income and resources.

2

Enter Your Details

For SSDI: your average monthly earnings. For SSI: your marital status, income, and state.

3

We Apply SSA Formulas

SSDI uses the 2026 PIA bend point formula. SSI uses the federal rate minus countable income plus your state supplement.

4

Verify at SSA.gov

Use your estimate as a planning tool. Always verify your actual benefit at ssa.gov — only the SSA has your full earnings record.

Understanding SSDI and SSI Disability Benefits in 2026

Navigating the Social Security disability system is one of the most challenging processes any American can face. With frequent initial denials and an appeal process that can take years, understanding your potential benefits before you apply is essential.

How SSDI Benefits Are Calculated

SSDI benefits are calculated using your Average Indexed Monthly Earnings (AIME) — your lifetime earnings adjusted for wage inflation — and the SSA's Primary Insurance Amount (PIA) formula. The 2026 bend points are $1,286 and $7,749. The formula gives you 90% of AIME up to the first bend point, 32% between the two bend points, and 15% above the second bend point. This progressive formula means lower earners replace a higher percentage of their pre-disability income.

The 5-Step SSA Disability Evaluation

The SSA uses a sequential five-step process to determine if you qualify. First, are you working above Substantial Gainful Activity ($1,690/month in 2026)? Second, is your condition severe? Third, does it meet or equal a Blue Book listing? Fourth, can you do your past work? Fifth, can you do any other work? A claim is approved when the evidence shows you cannot do your past work or any other work, which is why many applicants seek help from a disability attorney or accredited representative.

Why Most Claims Are Denied — And What To Do

Many initial applications are denied, often for technical reasons rather than medical ones: missing paperwork, incomplete medical records, or insufficient documentation of how your condition limits your daily activities. If you have been denied, do not give up. The usual deadline to appeal is 60 days, and our guides on why claims are denied and the appeals process explain your next steps.

SSDI Retroactive Payments (Back Pay) Calculator

SSDI back pay is generally your monthly benefit multiplied by the number of months you were entitled but not yet paid. Entitlement starts after a five-month waiting period that follows your established onset date, and benefits can reach back up to 12 months before the month you applied. The back pay figure in our calculator is only a rough illustration; the SSA works out the actual amount from your onset date, application date and award date. Read our guide to SSDI back pay and retroactive benefits.

SSDI Work Credits Calculator

Our calculator estimates a monthly benefit and does not count credits, but the basic rules are simple. You can earn up to four work credits a year based on your covered earnings, and most adults need 40 credits, with 20 of them earned in the 10 years before becoming disabled. Younger workers generally need fewer. The Social Security statement in your my Social Security account shows the credits on your record. See how age changes the credits you need.

SSI Child Disability Income Limits

There is no single income cutoff. For a child under 18 who lives with a parent, the SSA counts part of the parents' income and resources, called deeming, after allowing for the parents and other children in the household. The child's countable resources are generally limited to $2,000, and the federal payment is capped at the same $994 monthly rate that applies to an adult individual, reduced by any countable income. Check with the SSA for your household. Read how SSI for children is decided.

Frequently Asked Questions

Everything you need to know about SSDI and SSI disability benefits