福利悬崖计算器
加薪或加班可能会让您的收入刚好超过某项目的收入上限,这会让您一次性失去全部福利,而不是部分减少。查看您家庭适用的这些「悬崖点」具体在哪里。
$
/月
您的收入悬崖点
根据您输入的信息,以下是您目前看似符合资格的各项目中,您收入超过其上限的月收入金额,按最先达到的顺序排列。这些数字使用联邦贫困线作为全国性估算——部分州和项目设有不同的限额,因此在拒绝加薪或加班之前,请向相应项目核实。
Free Eyeglasses (New Eyes / Lions Club)
One pair of prescription glasses (retail value $150–$500)
超过 $2,660/月即失去
距今日 +$660
Free Hearing Aids (Starkey / State Programs)
Hearing aids worth $2,500–$7,000 (one-time)
超过 $2,660/月即失去
距今日 +$660
Free Legal Aid
Potentially prevents homelessness, job loss, or deportation — value is situation-dependent
超过 $2,660/月即失去
距今日 +$660
Individual Development Accounts (IDAs)
$50–$400/month in matched savings (based on your deposits)
超过 $2,660/月即失去
距今日 +$660
Low-Cost Internet Programs (Comcast Essentials / ISP Discount Plans)
~$40–$70/month savings vs. standard internet pricing
超过 $2,660/月即失去
距今日 +$660
Low-Income Retailer & Subscription Discounts
~$15–$40/month across memberships
超过 $2,660/月即失去
距今日 +$660
Museums for All & EBT Cultural Access
~$20–$60/visit saved per family
超过 $2,660/月即失去
距今日 +$660
Reduced-Fare & Low-Income Transit Programs
~$30–$70/month in fare savings
超过 $2,660/月即失去
距今日 +$660
Weatherization Assistance Program (WAP)
~$25–$43/month in permanent energy savings
超过 $2,660/月即失去
距今日 +$660
Emergency Hardship Grants (Modest Needs, Salvation Army, etc.)
One-time grants of $250–$1,500 per crisis
超过 $3,325/月即失去
距今日 +$1,325
Low Income Taxpayer Clinic (LITC)
Value of legal representation — professional IRS defense worth $500–$5,000+
超过 $3,325/月即失去
距今日 +$1,325
State Earned Income Tax Credit (State EITC)
10–40% additional on top of your federal EITC (see federal EITC card)
超过 $3,325/月即失去
距今日 +$1,325
State Low-Cost Auto Insurance Programs
~$30–$80/month in premium savings
超过 $3,325/月即失去
距今日 +$1,325
EITC (Earned Income Tax Credit)
~$250–$600/month (paid annually at tax time)
超过 $3,325/月即失去
距今日 +$1,325
Property Tax Relief / Homestead Exemption
~$50–$300/month in tax savings (varies widely by state)
超过 $3,990/月即失去
距今日 +$1,990
常见问题
为什么有时一点加薪反而让我损失更多?
大多数福利项目采用硬性收入上限,而不是逐步递减。哪怕只超出一美元,也可能意味着失去该项目整月的全部价值——这通常被称为"福利悬崖"。
这些临界点准确吗?
这些数据基于各项目在全国范围内使用的联邦贫困线百分比。部分州设有更高的限额,部分项目是逐步递减而非硬性截止(收入只是多个考量因素之一)——在仅凭此做出决定之前,请务必向具体项目核实。