Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Result
Total countable resources
$1,500
Applicable resource limit
$2,000
Amount over the limit (if any)
$0
Room remaining under the limit
$500
Over the limit? (1 = yes)
0
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How to use this
- 1Enter cash, checking, savings ($).
- 2Enter stocks, bonds, other investments ($).
- 3Enter value of any 2nd+ vehicle ($).
- 4Enter able account balance ($).
- 5Enter designated burial funds ($).
- 6Enter individual or couple.
- 7Read your total countable resources on the right — it updates as you type.
- 8Hit Share to keep the scenario or send it to someone.
About this calculator
SSI has one of the strictest asset tests in federal benefits programs: $2,000 in countable resources for an individual and $3,000 for a couple, limits that have not been adjusted for inflation since 1989, making them increasingly restrictive over time. Countable resources include cash, bank accounts, stocks, bonds, and a second vehicle, but exclude your primary home, one vehicle, household goods, a burial plot, and up to $1,500 in designated burial funds per person. ABLE accounts for people who became disabled before age 26 (raised from an earlier stricter cutoff) allow additional savings up to $100,000 without counting against the SSI limit. This calculator totals your countable resources against exclusions and tells you whether you're under, at, or over the applicable limit, and by how much, since going even $1 over on a redetermination date can suspend your SSI payment entirely.
Worked example
Using the values the calculator loads with:
Inputs
- Cash, checking, savings: 1500 $
- Stocks, bonds, other investments: 0 $
- Value of any 2nd+ vehicle: 0 $
- ABLE account balance: 0 $
- Designated burial funds: 0 $
- Individual or couple: Individual
Results
- Total countable resources: $1,500
- Applicable resource limit: $2,000
- Amount over the limit (if any): $0
- Room remaining under the limit: $500
- Over the limit? (1 = yes): 0
What each field means
Inputs
- Cash, checking, savings ($)
- The cash, checking, savings used in the calculation, measured in $. Starts at 1500 $ so you have a working example on load.
- Stocks, bonds, other investments ($)
- The stocks, bonds, other investments used in the calculation, measured in $. Starts at 0 $ so you have a working example on load.
- Value of any 2nd+ vehicle ($)
- The value of any 2nd+ vehicle used in the calculation, measured in $. Starts at 0 $ so you have a working example on load.
- ABLE account balance ($)
- The able account balance used in the calculation, measured in $. Starts at 0 $ so you have a working example on load.
- Designated burial funds ($)
- The designated burial funds used in the calculation, measured in $. Starts at 0 $ so you have a working example on load.
- Individual or couple
- Pick the option that matches your situation — the maths changes per option. Choices: Individual, Couple.
Results
- Total countable resources
- Returned as a money amount in US dollars and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Applicable resource limit
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Amount over the limit (if any)
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Room remaining under the limit
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Over the limit? (1 = yes)
- Returned as a whole number. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
Why hasn't the SSI resource limit changed since 1989?
The $2,000/$3,000 limits are set in statute, not indexed to inflation like the benefit amount itself, so Congress must pass a law to change them. Advocacy groups have pushed for updates for years since $2,000 in 1989 would be roughly $5,000 today in real terms, but no change has been enacted as of now.
Does my house or car count against the limit?
Your primary residence is completely excluded regardless of value, and one vehicle is excluded regardless of value as well, as long as it's used for transportation. A second vehicle, however, counts at its equity value unless it also meets a specific exclusion like being needed for a specific medical or employment purpose.
What is an ABLE account and why does it help?
ABLE accounts are tax-advantaged savings accounts for people who became disabled before age 26, allowing them to save up to $100,000 without it counting against SSI's resource limit — a major exception designed to let disabled individuals build savings without losing benefits, addressing a long-standing criticism of the asset test.
What happens if my resources go over the limit even briefly?
SSA can suspend your SSI payment for any month your countable resources exceed the limit as of the first moment of that month, and you're required to report resource changes. Spending down excess resources before the end of the month or moving money into an excluded category can prevent a suspension if caught early.
Accuracy and limitations
- Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
- Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.
- This is educational maths, not financial advice. Check anything contractual with the lender or your accountant.
Related tools
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). SSI Resource Limit Checker. Retrieved from https://www.revenuelab.fyi/toolbox/ssi-resource-limit-check
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/ssi-resource-limit-check" target="_blank" rel="noopener">SSI Resource Limit Checker — RevenueLab</a> (2026).</p>
Source: [SSI Resource Limit Checker — RevenueLab](https://www.revenuelab.fyi/toolbox/ssi-resource-limit-check) (2026).