SSI and Work Calculator | Mirrah Image Services

Please read this first.

This is an estimate to help you think, and nothing more. It is not a decision, it is not a bill, and it is not benefits counseling. Social Security decides your real check. Before you change your hours or turn down a job, talk to us or to a benefits counselor. We will sit down and go through it with you, and there is no charge.

This page is about Supplemental Security Income, which most people just call SSI. It is not for SSDI and not for retirement benefits. If you are not sure which one you get, call us on (407) 813-2112 and we will help you work it out.

EASY READ

Type your numbers here

Put in your pay and your hours. We will show you an estimate straight away. Nothing you type is saved and nothing is sent anywhere.

💵 My SSI check is The most anybody can get in 2026 is $994. Change this to your own amount. 🕐 I make this much each hour 📅 I work this many hours each week 📣 Did I tell Social Security about my job and my pay? 📆 How many months did I get my full SSI check while working?

You may make this much from work each month:$0.00

Your SSI may go down by:$0.00

Your new SSI check may be:$0.00

Your pay and your SSI together may be:$0.00

Could I owe Social Security money?

This is only an estimate.
Social Security makes the real decision. Ask us or a benefits counselor before you change your hours.
Tell Social Security about your wages

For staff and families: the fuller monthly calculator and the hours planner

One month, worked out in detail

Use this when you already know the wages for a particular month.

SSI payment before these new wages The amount they expect before the wages below are counted. Gross wages for the month Before taxes and before anything is taken out. Work expenses Social Security has already agreed to Only put a figure here if Social Security or a benefits counselor has confirmed it. Leave it at zero if you are not certain. The $20 general income exclusion is still available for these wages.

Estimated monthly picture

Gross wages$0.00

Estimated countable wages$0.00

Estimated SSI reduction$0.00

Estimated SSI after wages$0.00

Estimated wages and SSI together$0.00

Planning the hours

Put in an hourly wage and the hours a week. SSI is worked out month by month, so this turns the week into an average month for you.

SSI check before these wages The 2026 maximum is $994 a month. Many people get less than that. Hourly pay For example, $14.50 an hour. Average hours each week Hours a week, not hours a month. Average weeks in a month 4.33 is the usual yearly average. A month with an extra payday will look different. The $20 general income exclusion is still available for these wages.

Your planning estimate

Gross wages each week$0.00

Average gross wages each month$0.00

Estimated amount SSI may go down by$0.00

Estimated SSI check afterward$0.00

Estimated wages and SSI together$0.00

A planning note.

Weekly hours do not turn into the same wages every calendar month. Pay schedules, an extra payday, unpaid time and other rules all move the figure. Report the real wages to Social Security, and check anything important with them or with a benefits counselor.

What this estimate does not know about.

SSI changes for reasons this page cannot see: income that is not wages, who somebody lives with, a spouse's or a parent's income, the student earned income exclusion for people under 22, blind work expenses, a PASS plan and state supplements. This page works out the ordinary wage rule and nothing else. Always tell Social Security about work and wages.

Would you like us to go through it with you?

We help the people we support find work and keep their benefits straight. Bring your pay stubs and your award letter, or just bring your questions. There is no charge.

Talk to our team

The figures this page uses, checked on 10 August 2026.

The most SSI pays in 2026 is $994 a month for one person, and $1,491 for a couple.
The first $20 of most income is not counted. This is the general income exclusion.
The first $65 of what you earn is not counted, and then only half of the rest counts.
Together that is the $85 this page takes off before halving what is left.
If you are a student under 22, more of your pay may be ignored: up to $2,410 a month and $9,730 a year in 2026. This page does not work that out.

Social Security changes these numbers most Januarys, so they want checking once a year.

Official sources: Social Security: how much you could get from SSI and Social Security: SSI work incentives. The figures on this page should be checked at least once a year, because Social Security changes them.