Calculate Your Supplemental Security

In 2025, the Supplemental Security Income (SSI) program provides financial assistance to individuals with limited income and resources. Here's an overview of the benefits and how they're calculated:

2025 Federal Benefit Rates (FBR)

• Individual: $967 per month
• Couple: $1,450 per month

These amounts represent the maximum federal monthly payments. Your actual benefit may be lower, depending on your countable income.

ssa.gov

Calculating Your SSI Benefit

The Social Security Administration (SSA) determines your monthly SSI benefit by subtracting your countable income from the FBR:

1. Determine Countable Income

   • Unearned Income: Includes benefits like Social Security, unemployment, and pensions.
   • Earned Income: Wages or self-employment earnings.
   • In-Kind Support and Maintenance: Non-cash income such as free food or shelter.
   • Deemed Income: Portion of income from a spouse or parent(s) if you live with them.

2. Apply Exclusions

   • General Income Exclusion: The first $20 of any income each month is excluded.
   • Earned Income Exclusion: After the general exclusion, the first $65 of earned income plus half of the remaining earnings are excluded.

3. Calculate Countable Income

   • Unearned Income: Total unearned income minus the $20 general exclusion.
   • Earned Income: Total earned income minus the $65 earned income exclusion, then divide the remainder by two.

4. Determine SSI Payment

   • SSI Benefit: FBR minus total countable income.

Example Calculation

If you have $300 in unearned income and $500 in earned income:

• Unearned Income

  • $300 (total) - $20 (general exclusion) = $280 countable unearned income.

• Earned Income

  • $500 (total) - $65 (earned income exclusion) = $435.
  • $435 ÷ 2 = $217.50 countable earned income.

• Total Countable Income

  • $280 (unearned) + $217.50 (earned) = $497.50.

• SSI Benefit

  • $967 (FBR) - $497.50 (countable income) = $469.50 monthly SSI payment.

Final Word

Please note that some states provide additional state supplements to the federal SSI payment, which can increase your monthly benefit. The amount and eligibility criteria vary by state.

For personalized assistance or more detailed information, consider contacting your local Social Security office or visiting the SSA's official website.