Benefits Stacking Optimizer

Discover the full picture of government benefits your household may qualify for — and find out if you're missing money every month.

Verified March 2026

Takes about 3 minutes. No sign-up required.

Let's start with the basics

We'll ask a few simple questions to understand your situation. You can skip anything you're not sure about.

What state do you live in?

How old are you? Your age helps us determine which programs you may qualify for.

What is your marital status?

Single Married Widowed Divorced

Including yourself, how many people live in your household?

Tell us about your income

Include all sources of income for your household. Don't worry about being exact — estimates are fine.

Monthly earned income (wages, salary, self-employment) Before taxes. Enter 0 if none.

Monthly Social Security benefit (if receiving) The amount you receive each month from Social Security. Enter 0 if none.

Any other monthly income (pensions, annuities, rental income, etc.)

Roughly, what is the total value of your savings, checking, and investments? Don't include your home or one vehicle. It's okay to estimate.

A few more details

These help us check for additional programs you may qualify for.

Do you have a disability that limits your ability to work?

Yes No I'm not sure

Have you or your spouse served in the U.S. military?

Yes No

What is the VA disability rating? (if any)

Are there any children under 18 in your household?

Yes No

What is your current housing situation?

I own my home I rent Subsidized housing Homeless / unstable

What benefits are you currently receiving?

Check all that apply. This helps us find what you might be missing.

Social Security Retirement Social Security Disability (SSDI) Supplemental Security Income (SSI) Medicare Medicaid SNAP (Food Stamps) VA Benefits Section 8 / Housing Voucher LIHEAP (Energy Assistance) Lifeline (Phone/Internet) TANF (Cash Assistance) I'm not receiving any benefits

Important: This tool provides educational guidance only — not a legal or official determination of eligibility. You must apply through the appropriate government agency for a final decision. We are not providing legal advice.

Analyzing your benefits landscape...

Checking eligibility across 10+ federal and state programs

Your Benefits Analysis

Based on the information you provided

Verified March 2026

Your Estimated Total Monthly Benefits

Your Benefits at a Glance

How Your Benefits Interact

Benefit Cliff Visualization

Use the slider below to see how changes in your earned income could affect your total benefits. Watch for the danger zones — where a small increase in income causes a large drop in benefits.

⚠ SSDI Workers — 2026 SGA Limit: $1,690/month. If you receive SSDI, earning above $1,690/month (Substantial Gainful Activity) can trigger a review and potential loss of benefits. The cliff at this threshold is especially significant for SSDI recipients.

Adjust Monthly Earned Income:

$0$1,000$2,000$3,000$4,000

Your Personalized Action Plan

Here are the programs you may want to consider applying for, listed in order of estimated value. Each step includes a link to learn more and apply.

What to Say When You Call

Calling a government agency can feel intimidating. These scripts give you the exact words to use. You can print this page to have them handy.

Important Disclaimer: This analysis provides educational guidance based on the information you entered and general federal program rules for 2026. It is not a legal determination of eligibility. Actual eligibility depends on many factors and must be confirmed by the relevant government agency. We are not providing legal advice. You may want to consider consulting with a benefits counselor for personalized assistance. LIHEAP and Section 8 benefit amounts shown are approximate and vary significantly by state and local housing authority.

⚠ Medicaid Work Requirements (OBBBA): Under the One Big Beautiful Bill Act, Medicaid work requirements of 80 hours per month are scheduled to take effect in January 2027 for most non-elderly, non-disabled adults. Contact your state Medicaid office for details.