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Affidavit of Support Calculator

Calculate the income requirement (125% FPL) for Form I-864 Affidavit of Support. Based on 2026 Federal Poverty Guidelines.

About this calculator

The Affidavit of Support Calculator estimates whether a sponsor's income and assets clear the minimum threshold USCIS requires on Form I-864, the document a U.S. citizen or lawful permanent resident files to financially sponsor a family-based (or certain employment-based) immigrant. USCIS ties this threshold directly to the Federal Poverty Guidelines (FPL) that the Department of Health and Human Services republishes every year — not to a fixed dollar figure — so Required Income here reflects the 2026 guidelines ($15,960 for a one-person household, plus $5,680 for each additional household member). Anyone using this calculator in a later year should confirm the guidelines haven't been updated before relying on the result, since FPL figures typically rise annually. Most civilian sponsors must show income at or above 125% of FPL for their household size; active-duty U.S. military sponsors get a lower 100% threshold when sponsoring a spouse or child, a statutory carve-out under INA §213A.

Household Size must include the sponsor, all dependents, and the immigrant being sponsored — it is not just the sponsor's own household. If Sponsor Annual Income alone falls short of Required Income, qualifying liquid assets (savings, stocks, real estate equity net of debt) can make up the difference: this calculator counts assets at one-fifth (20%) of their value, the standard divisor USCIS applies to most sponsored immigrants. A citizen sponsoring a spouse or child may instead qualify for the more generous one-third divisor, which this calculator does not model — confirm with USCIS's current I-864 instructions or an immigration attorney if that exception could apply. If neither income nor assets clear the requirement, USCIS requires a joint sponsor: a separate person who files their own I-864 and must independently meet the full income requirement for the same household size — joint sponsors' incomes cannot be pooled with the primary sponsor's to jointly clear the bar.

Inputs

$
$

Results

Required Income

$41,250.00

≈ 4 years of state college

Meets Income Req.

Yes

Meets With AssetsYes
Income Deficit$0.00
Asset Income Equivalent$10,000.00
Surplus$23,750.00
Remaining Deficit$0.00
100% FPL$33,000.00

Figures current as of 2026. Source: HHS/ASPE 2026 Poverty Guidelines (Jan 15, 2026)

How to Use This Calculator
  1. Enter Household Size — include yourself, all dependents living with you, and the immigrant being sponsored.
  2. Set Sponsor Annual Income and Qualifying Assets (savings, stocks, real estate equity).
  3. Indicate if you are Active Duty Military — the income threshold is 100% of FPL vs. 125% for civilians.
  4. Review Required Income to see the 125% federal poverty level threshold for your household size (based on 2026 FPL guidelines — $15,960 base + $5,680 per additional person).
  5. Check Meets Income Requirement and Meets With Assets — assets can supplement income shortfalls.
  6. If you don't meet the threshold alone, a joint sponsor (who files their own I-864) is required.

How the result changes with Household Size

Household SizeRequired IncomeMeets Income Req.
2$27,050.00Yes
3$34,150.00Yes
6$55,450.00No
10$83,850.00No

What each input means

Household Size
Total household size including sponsor, dependents, and immigrant.
Sponsor Annual Income
Sponsor's current annual income.
Qualifying Assets
Liquid assets (savings, stocks, real estate equity). Assets count at 1/5 value for most immigrants, or 1/3 for citizen spouse.
Active Duty Military
Whether the sponsor is active duty U.S. military (100% FPL instead of 125%).

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Household Size = 4, Sponsor Annual Income = 55000, Qualifying Assets = 50000, Active Duty Military (1=Yes, 0=No) = 0 = 4 input(s) provided
  2. Calculate Required Income
    Required Income
    41250 = $41,250
  3. Calculate Meets Income Req.
    Meets Income Req.
    Yes = Yes
  4. Calculate Meets With Assets
    Meets With Assets
    Yes = Yes
  5. Calculate Income Deficit
    Income Deficit
    0 = $0

Figures and sources

Engine last updated . Checked against 3 independently-derived tests — how we verify calculators. Built by Paul Gunder, a software engineer, not a licensed financial, medical, or legal professional.

Frequently Asked Questions

What income threshold does this calculator use, and does it change every year?

This calculator uses 125% of the Federal Poverty Guidelines (FPL) for most sponsors, or 100% of FPL if the sponsor is active-duty U.S. military sponsoring a spouse or child. The guidelines themselves are republished annually by HHS, and this calculator is built on the 2026 figures. If you're using this tool in a later year, confirm the current HHS poverty guidelines before relying on the result — FPL amounts typically increase each year, which raises Required Income even if your household size doesn't change.

How are qualifying assets counted toward the income requirement?

Assets are counted at one-fifth (20%) of their value for most sponsored immigrants — this calculator's Asset Income Equivalent is Qualifying Assets divided by 5, added to Sponsor Annual Income to get an effective income USCIS compares against the threshold. A citizen sponsoring a spouse or child may instead use the more generous one-third divisor under USCIS rules, which this calculator does not model; if that exception applies to you, consult an immigration attorney or USCIS's current Form I-864 instructions directly rather than relying on this figure.

What happens if my income and assets together still fall short of the requirement?

If Meets With Assets shows 'No,' the sponsor cannot qualify alone and USCIS requires a joint sponsor — a separate person who files their own I-864 and independently meets the full income requirement for the same household size. A joint sponsor's income cannot be combined with the primary sponsor's income to jointly clear the threshold; each sponsor's own income and assets must independently meet the requirement on their own Form I-864.

Why does Required Income go up so much for a larger household?

The Federal Poverty Guidelines add a fixed per-person increment for every household member beyond the first, and Required Income scales directly with Household Size for that reason. Every additional dependent — including the immigrant being sponsored — raises the poverty guideline used as the base, before the 125% (or 100%) multiplier is applied on top of it.

Does being active-duty military really lower the threshold, and by how much?

Yes. Congress created a statutory exception for active-duty members of the U.S. armed forces sponsoring their spouse or child: the requirement drops from 125% of FPL to 100% of FPL. On this calculator, setting Active Duty Military to 'Yes' recalculates Required Income at the 100% multiplier instead of 125%, which lowers the required income by a fifth relative to the civilian threshold for the same household size.

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