Here's the Maximum Monthly Payout You Can Get From Supplemental Security Income in 2025

Supplemental Security Income's maximum monthly payout has been increased for 2025 due to the cost-of-living adjustment. If you're applying for or already receiving SSI, you might be curious how much more you could potentially receive for the year. 

The Supplemental Security Income program is funded by the Treasury Department and payments are issued through the Social Security Administration for eligible recipients with limited funds, limited resources or both. Your monthly payment depends on multiple factors, and there's a cap on how much you can receive each month. 

Below, we'll break down the maximum SSI amount you could receive in 2025 and what could potentially affect your payment. 

For more, don't miss out on how to check your eligibility and apply for Supplemental Security Income.

What's the maximum amount of SSI I can receive monthly?

Eligible parties who can receive Supplemental Security Income are individuals, couples and "essential persons" (that is, certain individuals who share a household with someone receiving SSI or state benefits). For 2025, the maximum monthly federal SSI payment is $967 for an individual, $1,450 for an eligible couple and $484 for an essential person.

Below is a chart from the SSA that details the maximum annual and monthly amount each group can receive for 2025, with the maximum annual amount from 2024 for comparison.

Although the above figures are the federal maximum amounts for 2025, most states offer additional payments to people who receive SSI. 

If I work, will I still get SSI?

If you're receiving SSI and start a job -- or begin earning money in any way -- your monthly benefit payment will be reduced. For every $2 you earn, $1 will be deducted from your SSI payment. The SSA doesn't count the first $20 of income you receive monthly, the first $65 of earned income in a month, or half of your earnings made over $65. 

Types of income for SSI

• Earned income: wages, net earnings from self-employment, certain royalties
• Unearned income: income that is not earned, such as Social Security benefits, pensions, state disability payments
• In-kind income: food, shelter or both that are either received for free or less than market value
• Deemed income: part of the income of your spouse, parents or sponsor (if a noncitizen) that you live with

Other factors that can affect your SSI payment 

Income isn't the only factor regarding how much you'll receive monthly in SSI benefits.

Living with your spouse or parents affects your payment because a portion of their income is taken into consideration. That said, if you live with someone else, like a friend or relative and don't pay for food or shelter, your SSI benefit amount may be reduced by up to $342.33 per month. However, no reduction will be made if you're "paying your fair share" in the living situation. 

If you have children who receive SSI, their payment could be lowered by your income.

The SSA website offers several examples of how SSI benefits are calculated with different types of income on its website. 

When can I expect my SSI payment each month?

Supplemental Security Income is typically paid out on the first day of the month, but that can change slightly depending on what day the start of the month falls on. For instance, if Feb. 1 falls on a Saturday, the SSI recipients receive their payment a day early, on Jan. 31. 

For more, don't miss our Supplemental Security Income payment schedule for the month and important dates for the rest of the year.