Free Tool
2025 SSDI Monthly Benefit Estimator
Estimate your monthly SSDI check using SSA's official 2025 PIA formula and bend points.
Estimated monthly SSDI
$1,911
Likely range (low)
$1,624
Likely range (high)
$2,198
How we got this number
- • Estimated AIME (Average Indexed Monthly Earnings): $3,750.
- • PIA formula applied: 90% of first $1,226 + 32% up to $7,391 + 15% above.
National 2025 averages for reference: average SSDI $1,580/mo, maximum $4,018/mo.
Estimate only. Your actual Primary Insurance Amount (PIA) depends on your top 35 years of indexed earnings. Pull your SSA Statement at ssa.gov/myaccount for the exact figure, or request a free case evaluation.
How the SSDI benefit is calculated
SSA indexes your lifetime earnings, averages your top 35 years, and converts that to a monthly figure (AIME). The PIA formula then applies progressive percentages at two "bend points" — 90% of the first $1,226, 32% up to $7,391, and 15% above.
Most workers fall in the middle bracket, which is why the national SSDI average sits near $1,580/month.
Frequently asked questions
How much does SSDI pay per month in 2025?+
Average is about $1,580/month. Maximum at full retirement age is $4,018/month. Your specific amount depends on your lifetime indexed earnings.
What is the PIA formula?+
Primary Insurance Amount (PIA) = 90% of AIME up to $1,226 + 32% from $1,226–$7,391 + 15% above $7,391 (2025 bend points). Your AIME is the indexed average of your top 35 earning years, expressed monthly.
How accurate is this estimator?+
Within roughly ±15% for most workers. The exact figure depends on SSA's indexed earnings record, which only ssa.gov/myaccount can give you.
Does it estimate SSI too?+
No. SSI is a needs-based program with a 2025 federal max of $967/month for individuals. Use this for SSDI (Title II) only.