Free Tool
SSDI Benefit Calculator
SSDI is based on your average lifetime earnings, not your household income or the severity of your condition. Enter your average monthly earnings to see a rough estimate.
Roughly your average indexed monthly earnings over your working years. If unsure, use your recent average gross monthly pay.
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Estimated monthly SSDI benefit
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This is a simplified estimate using the 2026 primary-insurance-amount formula (90% of the first $1,226 of AIME, 32% to $7,391, 15% above). Bend points are adjusted annually. Your actual benefit depends on your full earnings record and is determined by the SSA. This tool does not constitute legal or financial advice.
Want to know if you actually qualify?
A calculator can't tell you if you're medically eligible — but a free case review can.