How this estimate is calculated

The tool uses the USDA lower-48 and DC federal table for FY 2026 through September 30, 2026, then the published FY 2027 table from October 1, 2026 through September 30, 2027. It pauses afterward until an updated table is added. Alaska and Hawaii use different standards, so the calculator refers those households to their state offices instead of providing a misleading lower-48 amount.

Inputs and arithmetic

We compare reported gross income to the federal 130% gross test, unless the household indicates an older or disabled member; compare estimated net income after deductions with the 100% net test; and screen reported countable resources against federal limits. The simplified deduction sequence subtracts the standard deduction, up to 20% of reported earned income, dependent care, child support paid, qualifying medical expense over $35 and an estimated excess shelter amount. It then subtracts the rounded-up 30% share of net income from the maximum allotment. For otherwise qualifying one- and two-person households with a positive result, the federal minimum is applied.

What it cannot know

Selecting a state does not make this a state-specific determination. The tool does not implement every state BBCE threshold, resource policy, utility allowance, work-rule exception, immigration category, student exemption, benefit proration or irregular-income calculation. It assumes the entered rent and utilities are allowable shelter costs, while a state may use a standardized utility amount. Those limits can materially change a result, including a displayed $0.

Sources and correction

Tables and thresholds: USDA FY 2026 and USDA FY 2027 adjustment. General eligibility: USDA eligibility guide. Contact the state agency for an actual decision. Reviewed September 24, 2026.