SSI COLA calculator
Federal SSI maximums use a specific SSA rounding method: increase the unrounded annual basis, round down to a multiple of $12, then divide by 12. A current-payment estimate is separate and is not that method.
2026 official federal maxima are $994 (individual), $1,491 (eligible couple), and $498 (essential person). 2027 outputs here are projections when a projected COLA is selected — not official 2027 SSI amounts. Actual SSI can differ because of countable income, living arrangement, and state supplements.
2026 official federal SSI maxima
Category
couple
- Monthly
- $1,491.00
- Unrounded annual basis
- 17892.2100
Category
essential person
- Monthly
- $498.00
- Unrounded annual basis
- 5978.4100
Category
individual
- Monthly
- $994.00
- Unrounded annual basis
- 11929.4600
| Category | Monthly | Unrounded annual basis |
|---|---|---|
| couple | $1,491.00 | 17892.2100 |
| essential person | $498.00 | 5978.4100 |
| individual | $994.00 | 11929.4600 |
Does SSI get the same COLA?
SSI federal maximums generally increase with the same Social Security COLA, using SSA's SSI rounding method.
What is the 2026 federal SSI maximum?
$994 for an eligible individual, $1,491 for an eligible couple, and $498 for an essential person.
Social Security COLA calculator · 2027 hub
Do not treat generic monthly × (1 + COLA) as the exact federal SSI maximum. This is not an SSA benefit determination.