← REACHABLE ABLE Simulator Benefits Simulator
What this simulates
Your ABLE account, 25 years ahead.
Enter your deposit amount, investment style, and benefits situation. See the projected balance, the effect on SSI and Medicaid, employer match economics, and qualified-expense budget — all in one screen.
Your 20-year projection

$0from deposits and investment growth

Adjust the sliders below to see your plan update in real time.

Eligible for ABLE SSI safe Medicaid protected

Balance over time

Growth
Deposits
$100k SSI shield
5 years
$0
10 years
$0
20 years
$0
The three sliders that matter most
Monthly deposit $200
Your own contribution each month. Annual cap: $20,000.
Employer match $50
Extra amount your employer contributes each month, if any.
Investment style Moderate
Determines your expected return. More equity = more risk and reward.
About you
Current age 30
Age when disability began 20
Must be before 46 to be ABLE-eligible.
Currently working?
Working adds up to $15,650/yr on top of the $19k limit.
Benefits I receive today
Tap all that apply. Simulator adjusts to match.
More options
State plan & fees
Annual plan fee 0.55%
Starting balance & other savings
Current ABLE balance $0
Other savings (outside ABLE) $500
Bank / brokerage — this counts toward the SSI $2,000 limit.
Working-earner bonus (annual) $3,000
Extra ABLE deposit allowed if you have earned income.
Inflation adjustment
Benefits impact detail
Countable assets (outside ABLE)$500
Buffer to the $2,000 SSI cliff$1,500
ABLE room remaining (up to $100k)$100,000
Annual contribution room left—
Employer match economics
Annual employer cost$0
After-tax cost (25% deduction)$0
Employee 5-yr benefit$0
Employee 20-yr benefit$0
Full multi-year model with retention lift: Employer ROI Calculator →
Year-by-year breakdown
Yr Age Deposits Growth Balance
Sources and disclaimer

Disclaimer. This simulator is a planning aid. Program amounts and rules change annually. Verify with the sources below before opening an account.

ABLE annual limit 2026 ($20,000)IRS 529A guidance →
Working-earner bonus 2026 ($15,650)IRS Rev. Proc. →
ABLE-to-Work provisionsSSA ABLE spotlight →
SSI + ABLE interaction (POMS SI 01130.740)SSA POMS →
Medicaid ABLE cap by statesavewithable.com →
SSI federal benefit rateSSA COLA →
Fair investment return assumptionsHistorical data →
Related tools
Eligibility Explorer Am I eligible? Plan Comparator Fees + features QDE Search What can I spend on? Employer ROI Retention math Video Library Watch the basics Guided Navigator Find the right tool
REACHABLE is built by the RISEI Lab at Northwestern University with support from the U.S. Department of Health and Human Services