Social Security Spousal Benefit Calculator
Compare your own Social Security benefit against the spousal benefit — you receive the higher of the two.
Runs 100% in your browser — your benefit numbers never leave this pageTry: Your own benefit at FRA=1200, Spouse's benefit at FRA=2000, Your claiming age=62, Spouse claiming age=67 → $840, $1,000, $1,000, Spousal benefit — $1,000
How to use
Enter both benefits at FRA and the ages you plan to claim. The spousal benefit is 50% of your spouse's PIA (reduced if you claim early); you receive whichever is higher: your own benefit or the spousal benefit.
See spousal benefits explained and married-couple claiming strategies.
FAQ
How much is a spousal Social Security benefit?
Up to 50% of the spouse's Primary Insurance Amount, claimed at full retirement age. Claiming earlier reduces it (about 30% less at 62).
Do I get my own benefit plus the spousal benefit?
No — you receive the higher of the two, not both. This calculator shows which one wins for your numbers.
Can I claim spousal benefits after divorce?
Yes, if the marriage lasted 10+ years, you are unmarried, and you are 62+ — see divorced spouse benefits.