{
  "id": "federal-poverty-level",
  "version": "5c9f808424ef",
  "status": "published",
  "name": "Federal Poverty Level Calculator",
  "question": "What is my FPL percentage?",
  "summary": "Finds your household income as a percent of the federal poverty level (FPL), from the 2026 or 2025 HHS poverty guidelines for your household size and state.",
  "category": "finance",
  "subcategory": "tax-and-pay",
  "url": "https://www.acalculator.org/finance/federal-poverty-level-calculator",
  "markdown": "https://www.acalculator.org/finance/federal-poverty-level-calculator.md",
  "kind": "function",
  "method": "FPL percent = yearly household income ÷ (first-person guideline + (people − 1) × added-person amount) × 100.",
  "assumptions": [
    "HHS poverty guidelines for 2026 (January 15, 2026) or 2025 (January 17, 2025).",
    "A monthly income is multiplied by 12.",
    "Each program decides whose income counts and which year’s guidelines apply."
  ],
  "inputs": {
    "$schema": "https://json-schema.org/draft/2020-12/schema",
    "type": "object",
    "properties": {
      "income": {
        "title": "Household income",
        "description": "Total income of the household before taxes, per year or per month.",
        "type": "number",
        "x-unit": "USD",
        "x-period": "year",
        "minimum": 0,
        "maximum": 100000000
      },
      "size": {
        "title": "People in the household",
        "description": "How many people live in the household (the family or tax household the program counts).",
        "type": "integer",
        "minimum": 1,
        "maximum": 50
      },
      "state": {
        "title": "Where you live",
        "description": "Alaska and Hawaii have their own, higher guidelines.",
        "type": "string",
        "enum": [
          "48",
          "AK",
          "HI"
        ]
      },
      "year": {
        "title": "Guideline year",
        "description": "The 2026 guidelines came out in January 2026. Marketplace health insurance for 2026 uses the 2025 guidelines.",
        "type": "string",
        "enum": [
          "2026",
          "2025"
        ]
      }
    }
  },
  "outputs": {
    "percent": {
      "label": "Income as a percent of FPL",
      "description": "Yearly household income divided by the poverty guideline, times 100.",
      "format": "percent"
    },
    "guideline": {
      "label": "Poverty guideline (100% FPL)",
      "description": "The HHS poverty guideline for the household size, year and region, per year.",
      "format": "money"
    },
    "monthlyGuideline": {
      "label": "100% FPL a month",
      "description": "The yearly guideline divided by 12.",
      "format": "money"
    },
    "levels": {
      "label": "Income at common FPL levels",
      "description": "The yearly income at 100%, 133%, 138%, 150%, 200%, 250%, 300% and 400% of the guideline.",
      "format": "text"
    }
  },
  "defaultAnswer": {
    "inputs": {
      "income": 40000,
      "size": 3,
      "state": "48",
      "year": "2026"
    },
    "outputs": {
      "percent": 146.41288433382138,
      "guideline": 27320,
      "monthlyGuideline": 2276.6666666666665,
      "levels": "100%: $27,320.00; 133%: $36,335.60; 138%: $37,701.60; 150%: $40,980.00; 200%: $54,640.00; 250%: $68,300.00; 300%: $81,960.00; 400%: $109,280.00"
    },
    "text": "A household of 3 with $40,000.00 a year is at 146.4% of the federal poverty level."
  },
  "examples": [
    {
      "given": {
        "income": 40000,
        "size": 3,
        "state": "48",
        "year": "2026"
      },
      "expect": {
        "guideline": 27320,
        "percent": 146.41288433382138
      },
      "source": "HHS Poverty Guidelines for 2026 (https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines): 3 people $27,320; 40,000 ÷ 27,320 × 100 = 146.41%"
    },
    {
      "given": {
        "income": 33000,
        "size": 4,
        "state": "48",
        "year": "2026"
      },
      "expect": {
        "guideline": 33000,
        "percent": 100
      },
      "source": "HHS Poverty Guidelines for 2026: a family of 4 is $33,000, so $33,000 is 100% FPL"
    },
    {
      "given": {
        "income": 100000,
        "size": 9,
        "state": "AK",
        "year": "2026"
      },
      "expect": {
        "guideline": 76750,
        "percent": 130.29315960912052
      },
      "source": "HHS Poverty Guidelines for 2026, Alaska: 8 people $69,650, add $7,100 for each added person: $76,750 for 9; 100,000 ÷ 76,750 × 100 = 130.29%"
    },
    {
      "given": {
        "income": 30000,
        "size": 2,
        "state": "HI",
        "year": "2025"
      },
      "expect": {
        "guideline": 24320,
        "percent": 123.35526315789474
      },
      "source": "HHS 2025 poverty guidelines, 90 FR 5917 (Federal Register, January 17, 2025): Hawaii, 2 people $24,320"
    }
  ],
  "sources": [
    "U.S. Department of Health and Human Services, ASPE, HHS Poverty Guidelines for 2026: https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines",
    "Federal Register, Annual Update of the HHS Poverty Guidelines (2026), FR Doc. 2026-00755, January 15, 2026: https://www.govinfo.gov/content/pkg/FR-2026-01-15/pdf/2026-00755.pdf",
    "Federal Register, Annual Update of the HHS Poverty Guidelines (2025), 90 FR 5917, January 17, 2025: https://www.federalregister.gov/documents/2025/01/17/2025-01377/annual-update-of-the-hhs-poverty-guidelines"
  ],
  "related": [
    "snap",
    "snap-eligibility",
    "ssi"
  ],
  "changelog": []
}