SSDI Benefit Estimator
How much could SSDI pay me each month? Get a ballpark estimate based on your work history.
Free · No account needed · Private · About 2 minutes
How it works
- 1
Share your work history
Tell us your age and roughly what you have earned over the years.
- 2
We run the 2026 formula
We use SSA's 2026 benefit formula to make a ballpark estimate.
- 3
See your estimate
Get a monthly range and tips to check your real number.
What you get
- A ballpark monthly SSDI estimate
- How SSA's benefit formula works, in plain words
- How the five-month waiting period may affect timing
- How to find your official estimate from SSA
What this tool does
- • Uses SSA's 2026 benefit formula
- • Gives a rough range to help you plan
- • Explains why estimates can differ
What this tool does not do
- • Does not give your official SSA amount
- • Does not decide if you qualify
- • Does not include state or private benefits
How much could SSDI pay me each month?
Your SSDI payment is based on your average earnings over your working life, not on your condition. Social Security (SSA) runs those earnings through a formula. In 2026, it pays 90% of the first $1,226 of your average monthly earnings, 32% of the next amount up to $7,391, and 15% above that.
That formula means lower earners get back a bigger share of their pay, while higher earners get a bigger check overall.
SSDI payments usually start after a five-month waiting period. Medicare usually starts 24 months after your payments begin. For your official number, check your my Social Security account.
Common questions
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Last reviewed September 25, 2026. For general information only, not legal or medical advice.
Sources: SSA: Primary Insurance Amount formula · SSA: my Social Security