SNT Distribution Checker
Log a planned expense, pick the source (SNT, ABLE, or beneficiary cash) and see whether the choice is correct under current SSI rules. Build a downloadable monthly distribution log as you go.
Educational tool only. Not legal advice. Confirm the federal benefit rate, presumed maximum value, and ABLE caps each January. Read the full cheatsheet.
Check a distribution
Pick the expense and source. The verdict updates instantly.
Distribution log
Saved in your browser. Export anytime.
No entries yet. Add a planned expense from the form to start your log.
The three rules behind every verdict
Cash is poison
Any cash, gift card, or transfer to the beneficiary is unearned income and reduces SSI dollar-for-dollar that month. Always pay the vendor directly.
Shelter from the SNT triggers PMV
Rent, mortgage, the nine SSA-listed utilities, property tax, and homeowners insurance paid by the trust reduce SSI by up to ~$322/mo (2026). Routing through ABLE avoids it.
Food is no longer ISM
The SSA September 2024 rule change removed food from the in-kind support definition. Groceries, restaurants, and meal delivery have no SSI impact from either tool.