Enter your household details to see your maximum allowable income — then use the retirement slider to see how contributions protect your benefits.
⚠️For earned or self-employment income only. Not applicable to SSI recipients. This is a planning tool — not benefits or financial advice. Speak with your county social worker before making changes. Traditional IRA only (not Roth) reduces MAGI. 2026 update: Enhanced federal Covered CA subsidies expired Dec 31, 2025 — earning $1 over 400% FPL now means losing ALL subsidies.
1 Your household
2 Pay period
3 Your income per pay period
$
4 Maximum allowable income per pay period
These are the income limits for each program based on your household size. Earn below the limit and you qualify. The gross income threshold is your paycheck before taxes.
5 Retirement contribution
A Traditional IRA contribution reduces your MAGI — the number programs actually check — dollar for dollar. Slide to see how much you can shield from the threshold calculation.
Enter your income above to see your results
Select your county and household size, choose your pay period, then enter your income to see which benefits you qualify for and how a retirement contribution affects your eligibility.