SSDI Calculators
Rough estimates only — SSA uses your full earnings record to calculate your actual benefit. For an exact figure, create a my Social Security account at ssa.gov.
Quick Benefit Estimator
Based on your average annual earnings during your highest-earning 35 years (indexed for inflation, but for a rough estimate use today's dollars). This uses the 2026 PIA formula.
Back Pay Estimator
Back pay runs from your Established Onset Date (EOD) + 5-month waiting period, up to 12 months retroactive from your application date.
Work Credits Check
Most adults need 40 credits (with 20 earned in the last 10 years). Younger workers need fewer. You earn up to 4 credits per year — in 2026, one credit = $1,810 in earnings.