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Benefits Calculator

All 50 states and DC · 2026–27 rules · worked out in your browser

Benefits calculator: what you can get, and what a raise really leaves you

Tell it where you live, who lives with you and what comes in. It shows what you can likely get from SNAP, Medicaid, CHIP, tax credits, WIC, TANF, child care help, SSI, housing and energy help, and the exact pay where each one ends, so you can see whether a raise really leaves you better off.

A line of the money a family has left each month as its pay rises, dropping where a benefit ends: the benefits cliff
Your money at every level of pay: it rises as pay rises, and drops where a benefit ends.
Who lives with you
For housing help, which is set county by county.

Everyone who lives with you and shares meals.

A partner you are not married to goes in as another adult: they file their own tax return. If they are a parent of a child here, tick "Parent of a child here".

Children are worked out on their own: Medicaid and CHIP cover children at higher incomes than parents in most states (42 CFR 435.118), and an adult can apply for a child without applying for themselves (42 CFR 435.907).

Optional. For FDPIR, the USDA Foods program some Tribes run beside SNAP.

Money coming in

Before tax. Leave a box blank when there is none.

Bank accounts and cash, not your home or one car.

Have savings? SSI's limit is $2,000, or $3,000 for a couple (20 CFR 416.1205), but WIC has no savings test (7 CFR 246.7(c)).

Have a car? SSI leaves out one car used to get around (20 CFR 416.1218), and Medicaid that goes by income alone has no savings test (42 U.S.C. 1396a(e)(14)(C)).

Costs each month
The whole rent, even if a voucher pays part. In public housing, what you pay.
So you can work or study.
Counts only for people 60 or older or with a disability.

Own your home? The home you live in does not count for SNAP (7 CFR 273.8(e)(1)) or SSI (20 CFR 416.1212), and Medicaid for children, pregnant women, parents and adults under 65 that goes by income alone has no savings test (42 U.S.C. 1396a(e)(14)(C)).

What you have now

Programs you already get can have different rules for staying on them.

The second-lowest-cost silver plan for everyone here who needs coverage. HealthCare.gov's tax tool shows it for your ZIP code. With it, the marketplace tax credit shows in dollars.

Worked out in your browser. Nothing you type is sent or saved.

Your month

Start with your state

Then add who lives with you and the money coming in. Everything is worked out here in your browser; nothing you type is sent or saved.

Uses SNAP figures for October 1, 2026 to September 30, 2027, the 2026 poverty guidelines, tax year 2026 credits, 2027 marketplace rules, and each state's own limits. Every figure is on Sources with its government page. Checked October 31, 2026.

How the calculator works

It works out each program the way the program does, from its published rules: who counts in the household, which income counts, what is taken off first, the limit for your household size in your state, and the amount. Then it works your household out again at every level of pay, from nothing up to well past what you earn, so it can find each point where a benefit stops.

How a raise can leave you with less
  1. Your pay goes upA raise, more hours, a second job
  2. Taxes take a littleAbout 7.65% for Social Security and Medicare, then income tax
  3. Help shrinksSNAP, tax credits and marketplace help fall a little with each dollar
  4. A limit is crossedSome help stops all at once at a set income: Medicaid, child care help, CHIP
  5. The cliffOne dollar more in pay, hundreds less in help
  6. The climb backThe pay where you are ahead again: the calculator finds it

Your answer has four parts: the programs you can likely get, with what each is worth and where to apply; your month's budget after federal taxes, child care and health insurance; your next cliff, the pay at which a benefit ends and you would have less money than just below it; and what a raise would really leave you. A line shows your money left at every pay: a red drop in it is a cliff.

What is a benefits cliff?

Most help shrinks gradually as pay rises: SNAP falls by about 30 cents for each extra dollar of income after deductions, and the EITC by 16 to 21 cents. That is not a cliff. A cliff is a limit: at one dollar over it, a benefit stops entirely. Children's Medicaid can end at a set income and CHIP begin, child care help ends at the state's limit, and in some years the marketplace tax credit stops at four times the poverty line. One more dollar of pay can cost hundreds a month.

Not every limit is a cliff for every family, because other help can fill the gap. That is why the calculator works out all of them together, for your household. More on benefits cliffs.

The programs, one by one

Each page has its income limits for 2026–27, how the amount is worked out, and where it ends.

Your state

States set many of the limits: whether adults get Medicaid, how much a family can earn and keep SNAP, what TANF pays, who gets child care help. Each state's page has its own limits, its own names for each program and where to apply.

Questions people ask

Is this a government website?

No. It is an independent calculator published by PVV Media Technologies. It takes no applications and passes nothing to any office. Applying for these programs is free; each card in your answer links to the place to apply on the government's own website.

Do you save what I type?

No. The calculator works in your browser and sends nothing: not your household, your pay or your costs. Nothing is stored when you close the page. It never asks for your name, Social Security number or bank details.

How accurate is it?

It follows each program's published rules and each state's own limits, and every figure links to its source. But it is an estimate: offices count income over particular months, check things a short form cannot ask, and some programs have waiting lists or run out of money. Use it to see what to apply for, and what a change in pay would do.

Can a raise really leave me worse off?

Yes, at a cliff. If your pay crosses a limit where a benefit stops all at once, such as children's Medicaid moving to a costlier plan or child care help ending, you can lose more in help than the raise adds. The calculator finds those points for your household and tells you how much more pay it would take to come out ahead.

What is the income limit for SNAP?

Under the federal rule, a household of three can have gross income up to $2,960 a month (October 1, 2026 to September 30, 2027), and income after deductions up to $2,277. Many states let households in up to a higher gross limit. Households with someone 60 or older or with a disability only need to meet the second limit.