Calculate spousal and survivor benefit entitlements from a partner's record.
The lower earner receives the greater of their own benefit or the spousal amount rather than both. On the first death the household loses the smaller of the two benefits entirely. Household income typically falls by a third or more on first death while many costs remain, which is why the higher earner's claiming age affects the survivor for life.
Spousal/Survivor Benefit
Spousal benefit is a share of the higher earner's entitlement; survivors receive the full amount
This is a general illustration, not financial, tax or legal advice. Rules, thresholds and rates vary by jurisdiction and change frequently, and individual circumstances materially affect outcomes. Consult a qualified adviser before making any decision based on these figures.
Spousal benefit is a share of the higher earner's entitlement; survivors receive the full amount The lower earner receives the greater of their own benefit or the spousal amount rather than both. On the first death the household loses the smaller of the two benefits entirely.
Household income typically falls by a third or more on first death while many costs remain, which is why the higher earner's claiming age affects the survivor for life.
This calculator takes 5 inputs: Higher earner monthly benefit, Lower earner own monthly benefit, Spousal benefit share at full retirement age, Lower earner claiming age, Full retirement age. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.