Interactive Calculator

ABLE Benefits Impact Calculator

One of the most persistent myths about ABLE accounts is that opening one triggers loss of Supplemental Security Income or Medicaid benefits. This calculator shows what actually happens across a range of federal benefits programs when your ABLE balance changes, using the Social Security Administration rules and state-by-state Medicaid ABLE limits. This is not legal or tax advice. Always confirm your specific situation with a Work Incentives Planning and Assistance counselor or a benefits attorney.

Enter Your Information

State of residence

Your state determines your Medicaid ABLE limit.

Current or planned ABLE balance ($)

Enter your current ABLE account balance or a planned target amount.

Do you receive SSI (Supplemental Security Income)?

Do you receive SSDI (Social Security Disability Insurance)?

Do you receive Medicaid?

Your Impact Analysis

Important. This tool provides general guidance based on federal ABLE Act rules and state ABLE program limits. It does not substitute for personalized benefits counseling. If you receive SSI, SSDI, or Medicaid, contact your state Work Incentives Planning and Assistance program (call 1-866-968-7842 for the Ticket to Work Helpline) before making major changes to your ABLE contributions.

How the calculator works

SSI ($100,000 threshold). The first $100,000 in an ABLE account is disregarded from the SSI resource test. If your balance exceeds $100,000, your SSI cash benefit is suspended (not terminated) until your balance drops back below $100,000. This rule is stated in Social Security Administration Program Operations Manual System section SI 01130.740.

Medicaid (state ABLE limit). Any ABLE balance up to your state's ABLE program limit is disregarded from Medicaid asset tests. State ABLE limits range from approximately $235,000 to $596,925 depending on the state. Your Medicaid benefits are not affected by ABLE balances within this range.

SSDI, food assistance, housing assistance, student aid, Medicare. These programs do not have asset tests that apply to ABLE balances. Your ABLE account does not affect eligibility for these programs at any balance level.

Contributions. Annual contribution limit is $20,000 for 2026. Working ABLE account holders who are not contributing to a workplace retirement plan can add an additional $15,650 from their earnings.