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← REACHABLE Benefits Simulator ABLE Sim
What this simulates

All benefits, together, state-specific.

Enter household basics and current benefits. See eligibility, monthly benefit amounts, asset and income cliffs, and how an ABLE account changes the picture for each program. Beyond ABLE.

Estimated monthly benefits total

$0

Adjust the sliders below. Every program updates in real time.

Household
Household size1
Monthly earned income$0
Gross wages. Zero if not working.
Monthly unearned income$0
Any income other than wages (pension, gift, family support). SSDI/SSI shown separately.
Countable assets (outside ABLE)$500
Bank + brokerage. Does not include home or one car.
ABLE balance$0
Excluded from SSI up to $100k; excluded from Medicaid entirely.
Currently receiving
Tap all that apply. The simulator confirms eligibility and estimates amounts based on your inputs above.
Number of children under 180
Used for WIC, School meals, CCDBG, Head Start, CTC eligibility.
Age30
Used for Medicare, PACE, senior-specific benefits.
Program-by-program view
Asset cliff visualization

Your position vs. program cliffs

How ABLE changes each program
ABLE interaction rules
SSIABLE excluded up to $100k. Above: SSI suspended (not lost).
SSDINot means-tested. ABLE has no effect on eligibility.
MedicaidABLE entirely excluded. No cap. Recovery limited to post-account Medicaid paid.
MedicareNot means-tested. ABLE has no effect.
SNAPBalances excluded, distributions for QDE excluded from income.
Section 8 / HUD2019 HUD guidance: ABLE balances and distributions excluded.
TANFVaries by state. Most exclude ABLE. Verify with your state DHS.
WIOA / VRNot means-tested. ABLE has no effect on VR eligibility or services.
Bottom line. Opening an ABLE account almost never reduces the benefits you already receive. It gives you room to save on top of them.
State-specific supplements & limits
Sources, references, and disclaimer

Disclaimer. This simulator estimates eligibility and benefit amounts using publicly available federal and state rules. It is not a legal or fiscal determination. Program amounts change annually (usually each October for Social Security, each July for FPL, each Fall for SNAP thrifty food plan). Use the official links below to verify before making decisions. This simulator is a planning aid, not a replacement for a certified benefits counselor.

2026 amounts used in this simulator. Where the 2026 amount was not yet published at build time, the most recent official rate is used and labeled. All amounts listed below are subject to annual update.

SSI federal max ($967/mo individual)SSA COLA table →
SSI resource limit ($2,000 individual / $3,000 couple)SSA POMS SI 01110 →
SSDI SGA limit ($1,620/mo non-blind, 2025)SSA SGA table →
SNAP eligibility (130% FPL gross, max benefit tables)USDA FNS →
Federal Poverty Level 2025 ($15,650 individual)HHS ASPE →
ABLE contribution limit 2026 ($20,000 + $15,650 working-earner bonus)IRS ABLE guidance →
Medicare Savings Programs (QMB 100% / SLMB 120% / QI 135% FPL)Medicare.gov →
Extra Help (Part D LIS) — 150% FPL income, $17,600 asset limitSSA Extra Help →
LIHEAP (150% FPL federal max)ACF LIHEAP →
WIC eligibility (185% FPL)USDA WIC →
Free / Reduced-price school meals (130% / 185% FPL)USDA IEG →
Head Start (100% FPL + categorical + priority for disability)ECLKC guidance →
CCDBG child care subsidy (state-varying, 85% state median)ACF OCC →
HCBS Medicaid waivers (1915(c), 1915(i), 1915(k), 1115)CMS HCBS →
Section 8 / HCV — 50% AMI income limit, HUD 2019 ABLE ruleHUD PIH-2019-09 →
VA Disability Compensation ratesVA rates →
VA Pension / Aid and Attendance ratesVA pension rates →
EITC amounts and tablesIRS EITC tables →
Child Tax CreditIRS CTC →
Lifeline (phone/broadband subsidy)Lifelinesupport.org →
Title V CSHCN state programs directoryHRSA MCHB →
POMS on ABLE-benefits interaction (SI 01130.740)SSA POMS →
Master directory of state ABLE planssavewithable.com →
Caveat on state figures. State SSI supplements, Medicaid ABLE caps, tax deductions, and General Assistance availability shown in the state-specific section are based on the most recent published state rules. State rules change; verify with your state ABLE program administrator and state Department of Human Services before opening an account or applying for benefits.
Related tools
ABLE SimulatorFocused ABLE balance projection Counselor StudioLive session workflow Eligibility ExplorerAm I eligible for ABLE? Video LibraryWatch the basics
REACHABLE is built by the RISEI Lab at Northwestern University with support from the U.S. Department of Health and Human Services