FY2027 · Oct 1, 2026 to Sep 30, 2027

SNAP calculator: estimate your monthly food benefit

This tool runs the same steps the USDA describes: the gross income test, the deductions, the shelter cost, the net income test and the 30% rule. It uses the FY2027 tables, your state's income limit and your state's utility allowance.

State People who buy and cook food together Monthly pay from work, before taxes Other monthly income (Social Security, SSI, unemployment, child support received) Monthly rent or mortgage (with property tax and insurance) Child or adult care you pay so someone can work or study Child support you are required to pay

Utilities

I pay for heating or cooling (separate from rent) I pay other utilities, like electricity or water, but not heating or cooling Only a phone bill None: utilities are in the rent

Utility amount counted per month

Someone in the home is 60 or older or has a disability The household has no fixed home

Type your income and rent to see the estimate. Nothing is sent or saved.

How the estimate works

Gross income testTotal income before taxes must be at or below the limit. It is 130% of the poverty line, or higher in states with broad-based rules. Homes with someone 60+ or disabled skip it.
Deductions20% of pay, a standard deduction ($217 for 1 to 3 people in the 48 states), care costs, child support paid, medical costs over $35 for 60+ or disabled, and shelter costs above half of income.
BenefitThe maximum for your household size minus 30% of net income. Homes of 1 or 2 people that pass the tests get at least $25 in the 48 states.

Shelter costs above half of adjusted income count up to $769 a month in the 48 states, with no cap if a member is 60 or older or disabled. Homeless households can use a $205.66 deduction instead.

Check the math with the USDA example

The USDA example, step by step

A family of 4 in the 48 states has $1,500 in pay and $550 from Social Security, pays $362 for child care and $700 in shelter costs. Gross income is $2,050. After the 20% earnings deduction ($300), the standard deduction for 4 people ($229 in the FY2027 memo) and child care, adjusted income is $1,159. Half of that is $579.50, so the excess shelter cost is $120.50 and net income is $1,038.50. 30% of that, rounded up, is $312. The maximum for 4 is $1,023, so the estimate is $711 a month.

The USDA eligibility page shows $706 for the same family because it still uses a standard deduction of $217 for 4 people. The FY2027 memo sets $229 for 4 people, so this calculator uses $229.

What this tool does not know

Utility allowances are from FY2026

The USDA has not posted the FY2027 utility allowance table yet. The tool fills in each state's FY2026 amount. You can type a different number.

Assets are not counted

Many states have no asset limit for most households. Where there is one, the tool shows it as a note. The federal limit is $3,000, or $4,750 with a member 60+ or disabled.

Other rules apply

Students, some non-citizens and adults under the work rules can be ineligible even with low income. See the work rules.

SNAP calculatorEstimate with the FY2027 formula EBT near meStores by city, county or ZIP EBT phone numbersBalance, lost card, PIN

Common questions

Is this the amount I will get?

No. It is an estimate based on the numbers you type. Your state SNAP agency checks your papers and makes the decision.

Which year are these numbers from?

The income limits, maximum amounts and deductions are from the FY2027 USDA memo, in effect from October 1, 2026 to September 30, 2027. The utility allowances are the FY2026 state table.

Why is my estimate $0?

Your income may be above the gross or net limit for your household size, or 30% of your net income may be larger than the maximum. Open 'See the math' to see which step.

Do I need my case number or card number?

No. The calculator never asks for a case number, a card number or a PIN, and it does not save what you type.

Sources: USDA, SNAP Fiscal Year 2027 Cost-of-Living Adjustments memo (signed August 21, 2026; in effect October 1, 2026 to September 30, 2027); USDA, Broad-Based Categorical Eligibility chart (June 2026); USDA, Standard Utility Allowances by state, FY2026 table; USDA, SNAP Eligibility page (updated October 1, 2026).

Independent guide. Not a government website. Not affiliated with USDA or any state agency. We do not take applications, and we never ask for your case number, card number or PIN. Amounts and rules can change: your state SNAP agency has the final word.