You are here: Home Survivorship Tools SSI Benefit Calculation Chart - Self-Employed
Information about all aspects of finances affected by a serious health condition. Includes income sources such as work, investments, and private and government disability programs, and expenses such as medical bills, and how to deal with financial problems.
Information about all aspects of health care from choosing a doctor and treatment, staying safe in a hospital, to end of life care. Includes how to obtain, choose and maximize health insurance policies.
Answers to your practical questions such as how to travel safely despite your health condition, how to avoid getting infected by a pet, and what to say or not say to an insurance company.

SSI Benefit Calculation Chart - Self-Employed

Related Article: Supplemental Security Income (SSI) - Return To Work


Use this chart to calculate any reduction in SSI benefits due to earned income from self-employment. If you use it online calculations will automatically appear in the shaded boxes.

  1. Enter the gross amount of your earnings that month -- before any deductions.
  2. Enter the value of any work incentives, IRWEs, Student Earned Income Exclusion, and Blind Work Expenses. (See SSI – Return to Work – Info)
  3. Enter your business expenses.
  4. Subtract Line 2 and Line 3 from Line 1, and enter the result.
  5. Enter $85 if you only receive SSI and work earnings. If you receive other income, such as SSDI, enter $65.
  6. Subtract line 5 from Line 4 and enter the result.
  7. Divide Line 6 by 2.
  8. Enter the SSI benefit you normally receive when you are not working.
  9. Subtract Line 7 from Line 8. This is your adjusted benefit. Use this number to determine and set it aside so that you can repay Social Security when they compute it and ask for it back.

1. Gross Earnings

$ $ $

2. Less Work Incentives

3. Less Business Expenses

4. Net Earnings (Line 1 - Line 2 - Line 3)

5. Less $65 or $85

6. Line 4 - Line 5

7. Line 6 divided by 2

8. Enter your normal SSI Benefit

$ $ $

9. Subtract Line 7 FROM Line 8. This is your adjusted benefit amount.