SSDI Benefit Calculator

Estimate Your Monthly SSDI Benefit

Enter your average annual income during your working years. The calculator applies the 2026 Social Security formula to estimate your monthly benefit.

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Note: Earnings above $184,500 (the 2026 Social Security taxable maximum) don't count toward your SSDI benefit. Your estimate is capped at the maximum that can actually be used in the formula.
Estimated monthly SSDI benefit —

Calculation breakdown

Average Indexed Monthly Earnings (AIME)—
90% × first $1,286 of AIME—
32% × AIME from $1,286 to $7,749—
15% × AIME above $7,749—
Primary Insurance Amount (PIA)—
Annual estimate —

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This is an estimate only, based on 2026 Social Security bend points ($1,286 and $7,749) and the 2026 taxable wage base ($184,500). SSA's official calculation indexes your lifetime earnings year-by-year and uses up to your 35 highest-earning years. For an official projection, create a free account at ssa.gov/myaccount.