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Calcimator

Disability Income Budget Calculator

Budget for SSDI recipients with medical expenses, SGA limit checking, and ABLE account planning.

Inputs

Results

Total monthly income ($)

$1,700.00

≈ 13 pairs of sneakers

Essential expenses ($)$1,946.00
Monthly surplus/deficit ($)-$246.00
Medical expense ratio (%)24%
Exceeds SGA limit (0/1)0
ABLE contribution capacity ($)$0.00
How to Use This Calculator
  1. Enter all monthly income sources: SSDI, SSI, pension, part-time wages, and investment income.
  2. Input monthly fixed expenses: rent, insurance premiums, medical co-pays, utilities.
  3. Set variable expenses: groceries, transportation, personal care, medications.
  4. Review the net monthly balance and flag any expense categories exceeding 30% of income.
  5. Identify benefit cliff risks if earned income increases above SSDI or SSI thresholds.

How the result changes with SSDI benefit/month ($)

SSDI benefit/month ($)Total monthly income ($)
500$700.00
1,750$1,950.00
3,250$3,450.00
4,500$4,700.00

What each input means

SSDI benefit/month ($)
Monthly Social Security Disability Insurance benefit.
Other benefits/month ($)
State disability, VA benefits, SSI supplement.
Medical expenses/month ($)
Out-of-pocket medical, prescriptions, therapy.
Housing/month ($)
Rent or mortgage payment.
Supplemental work income ($)
Part-time work income (check SGA limits).

What each result means

Total monthly income ($)
All income sources combined.
Essential expenses ($)
Total monthly necessary costs.
Monthly surplus/deficit ($)
Positive = surplus, negative = shortfall.
Medical expense ratio (%)
Medical costs as % of income.
Exceeds SGA limit (0/1)
1 = work income exceeds $1,550/mo SGA limit.
ABLE contribution capacity ($)
Monthly amount available for ABLE account.

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    SSDI benefit/month ($) = 1500, Other benefits/month ($) = 200, Medical expenses/month ($) = 400, Housing/month ($) = 900 = 5 input(s) provided
  2. Calculate Total monthly income
    Total monthly income = ssdiMonthly + otherBenefits + supplementalIncome
    1700 = $1,700
  3. Calculate Essential expenses
    Essential expenses = housingMonthly + medicalExpenses + foodBudget + transportBudget + utilitiesBu...
    1946 = $1,946
  4. Calculate Monthly surplus/deficit
    Monthly surplus/deficit = totalIncome - totalEssentials
    -246 = $-246

Engine last updated . Checked against 2 independently-derived tests — how we verify calculators.

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