# What is my FPL percentage?

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.

- Page: https://www.acalculator.org/finance/federal-poverty-level-calculator
- JSON spec: https://www.acalculator.org/finance/federal-poverty-level-calculator.json
- Version: 5c9f808424ef

## Default answer

Example with the default inputs (Household income $40,000.00, People in the household 3, Where you live 48 states and DC, Guideline year 2026): A household of 3 with $40,000.00 a year is at 146.4% of the federal poverty level.

## Inputs

| Key | Label | Description |
| --- | --- | --- |
| income | Household income | Total income of the household before taxes, per year or per month. |
| size | People in the household | How many people live in the household (the family or tax household the program counts). |
| state | Where you live | Alaska and Hawaii have their own, higher guidelines. |
| year | Guideline year | The 2026 guidelines came out in January 2026. Marketplace health insurance for 2026 uses the 2025 guidelines. |

## Outputs

| Key | Label | Description |
| --- | --- | --- |
| percent | Income as a percent of FPL | Yearly household income divided by the poverty guideline, times 100. |
| guideline | Poverty guideline (100% FPL) | The HHS poverty guideline for the household size, year and region, per year. |
| monthlyGuideline | 100% FPL a month | The yearly guideline divided by 12. |
| levels | Income at common FPL levels | The yearly income at 100%, 133%, 138%, 150%, 200%, 250%, 300% and 400% of the guideline. |

## 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.

## Worked examples

1. income = $40,000.00, size = 3, state = 48, year = 2026 gives guideline = $27,320.00, percent = 146.412884%. Source: HHS Poverty Guidelines for 2026 (https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines): 3 people $27,320.
2. income = $33,000.00, size = 4, state = 48, year = 2026 gives guideline = $33,000.00, percent = 100%.
3. income = $100,000.00, size = 9, state = AK, year = 2026 gives guideline = $76,750.00, percent = 130.29316%.
4. income = $30,000.00, size = 2, state = HI, year = 2025 gives guideline = $24,320.00, percent = 123.355263%.

## FAQ

### What is 100% of the federal poverty level in 2026?

For the 48 contiguous states and DC, the 2026 guideline is $15,960 for one person and $5,680 more for each added person: $21,640 for 2, $27,320 for 3 and $33,000 for 4. Alaska and Hawaii are higher.

### How do I work out my FPL percentage?

Divide your yearly household income by the guideline for your household size, then multiply by 100. A family of 3 with $40,000 is at 40,000 ÷ 27,320 × 100 = 146.4% FPL.

### What is 138% of the poverty level?

138% FPL is the Medicaid income limit for adults in states that expanded Medicaid. In 2026 it is $22,024.80 for one person and $45,540 for a family of 4 in the 48 states and DC.

### Which year’s guidelines should I use?

Use the year your program says. Medicaid and CHIP switch to the new guidelines early in the year. Marketplace premium tax credits for 2026 coverage use the 2025 guidelines.

### Is the FPL the same as the poverty threshold?

No. HHS poverty guidelines decide program eligibility. The Census Bureau poverty thresholds are a different measure used for statistics.

## 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