If you receive Supplemental Security Income (SSI), knowing exactly how much you'll receive each month is essential for budgeting and financial planning. Whether you're checking for the annual Cost-of-Living Adjustment (COLA) increase or verifying your current benefit amount, this guide walks you through exactly how to find your updated SSI payment information.
2026 SSI Payment Amounts
Before checking your specific amount, here are the current federal SSI payment rates for 2026:
- Individuals: $994 per month ($11,929 annually)
- Couples: $1,491 per month ($17,892 annually)
- Essential persons: $498 per month
These amounts reflect the 2.8% COLA increase that took effect in January 2026 (with SSI payments beginning December 31, 2025). However, your actual payment may differ based on your income, living situation, and whether your state provides a supplement.
How to Check Your SSI Payment Amount Online
The fastest way to verify your SSI payment amount is through your my Social Security account on SSA.gov.
Step 1: Create or sign in to your account Visit ssa.gov/myaccount and sign in. If you don't have an account yet, you'll need to create one—it takes about 10 minutes and requires identity verification.
Step 2: Navigate to your benefits information Once logged in, look for "Benefits & Payments" or "View benefit payment schedule" to see your upcoming and past payments.
Step 3: Check your benefit amount Your current monthly benefit amount will be displayed, along with any deductions and your payment schedule.
Understanding Your SSI Benefit Notice
The SSA also sends benefit notices by mail when your payment amount changes. You can view and save these notices online through the Message Center in your my Social Security account. These notices explain:
- Your new monthly payment amount
- The reason for any changes
- When the new amount takes effect
- Any deductions being taken from your payment
Why Your SSI Amount May Differ from the Maximum
Several factors can reduce your SSI payment below the federal maximum:
Income adjustments: For every $2 you earn from work, SSA reduces your SSI payment by about $1. For non-work income (like gifts or other benefits), the reduction is $1 for every $1 received.
Living arrangements: If you live in someone else's home and don't pay your fair share of food and shelter costs, your payment may be reduced by up to $351.33 per month.
State supplements: Some states add money to the federal SSI amount. If your state supplement changes, your total payment will change too.
Resources over the limit: SSI has a $2,000 resource limit for individuals ($3,000 for couples). Going over can affect your benefits.
Other Ways to Check Your SSI Payment Amount
If you can't access your information online, you have other options:
- Call SSA: Reach the Social Security Administration at 1-800-772-1213 (TTY 1-800-325-0778), available Monday through Friday, 8 a.m. to 7 p.m. local time
- Visit your local office: Schedule an appointment at your nearest Social Security office for in-person assistance
- Check your bank statement: Your direct deposit amount shows your actual payment after any deductions
When SSI Payments Are Deposited
SSI payments are typically deposited on the 1st of each month. If the 1st falls on a weekend or federal holiday, you'll receive your payment on the last business day of the previous month.
Track Your SSI Payments with Purple
Managing SSI benefits doesn't have to be stressful. Purple automatically tracks your SSI deposits, alerts you when payments arrive, and helps you understand exactly where your money is going each month. Our app is designed specifically for people navigating Social Security compliance requirements.
This article is for informational purposes only and does not constitute financial or legal advice. For specific questions about your SSI benefits, contact the Social Security Administration directly.