How much can a spouse receive?

A spouse may receive up to 50% of the worker’s Full Retirement Age PIA. Claiming the spousal benefit before the spouse’s own FRA can reduce that amount.

What if the spouse has their own Social Security record?

SSA generally pays the higher of the spouse’s own benefit or a combination that can include an excess spousal amount. Enter the spouse’s own PIA to compare.

Do spousal benefits increase if claimed after FRA?

Spousal benefits do not earn delayed retirement credits. Waiting past the spouse’s FRA does not increase the spousal portion above 50% of the worker’s PIA.

Where can I model both spouses’ claiming ages together?

Use the Couples Optimization Calculator for dual-earner claiming strategies across many age combinations.

Independent estimate · Not SSA

Spousal

Spousal Benefits Calculator

Estimate a spouse’s Social Security benefit (up to 50% of the worker’s FRA PIA), including early-claiming reductions. If the spouse has their own record, compare own vs spousal/excess spousal amounts.

Official Data Verification: Published SSA rule planning model

Audited against Federal Reserve Holiday Calendar

Primary Authority: Social Security Administration (SSA)

Regulatory Basis: POMS GN 02401.000 & 20 CFR § 404.1807

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Worker & spouse inputs

Worker PIA at FRA ($ / mo)

Spouse birth year

Spouse claim age

Spouse own PIA (optional, $ / mo)

Spouse FRA: 67 years

Spousal benefit at chosen age