An ABLE account lets someone with a qualifying disability save without losing means-tested benefits — up to $100,000 is disregarded for SSI purposes.
How it works
The standard annual limit applies to everyone. An employed account owner not covered by an employer retirement plan can add ABLE-to-Work contributions from their own earnings, up to a separate cap.
What this does not include
This doesn’t verify disability-onset-age eligibility (expanded in 2026 to disability onset before age 46) or model the $100,000 SSI resource exclusion itself — it computes contribution room only.
How to use this calculator
- Enter the standard annual limit and whether ABLE-to-Work applies.
- Enter earnings and the ABLE-to-Work cap if eligible.
Frequently asked questions
Who is eligible for an ABLE account?
Someone whose disability began before the statutory age threshold (expanded to 46 starting 2026) and who meets specific disability-severity criteria.
Does an ABLE account affect SSI eligibility?
Up to $100,000 in the account is disregarded as a resource for SSI purposes — balances above that can affect SSI eligibility.
What is ABLE-to-Work?
A provision letting an employed account owner without employer retirement plan coverage add extra contributions from their own earnings, beyond the standard annual limit.
