Social Security Spousal Benefit Calculator
A spouse can claim up to half of a worker's Social Security benefit. Enter the worker's primary insurance amount (PIA) and the claiming age to see the spousal benefit.
How to use this calculator
- Enter worker's primary insurance amount (PIA) — from ssa.gov.
- Enter spouse's claiming age.
- Your results appear instantly below and update as you change the numbers.
How this calculator works
At the spouse's own full retirement age, the spousal benefit is 50% of the worker's PIA. Claiming early reduces it: at 62, the 35% early reduction cuts it to 32.5% of PIA. Unlike worker benefits, delaying past FRA earns no delayed-retirement credit on a spousal benefit — waiting to 70 does not raise it. The spousal benefit is in addition to nothing: you receive the larger of your own benefit and the spousal benefit, not both.
Frequently asked questions
How do I find the worker's PIA?
The primary insurance amount appears on the worker's Social Security statement at ssa.gov/myaccount — it is the benefit at full retirement age. Our Social Security benefit calculator also estimates it from salary if you do not have the statement handy.
Can I claim spousal benefits on my ex-spouse?
Yes — a divorced spouse qualifies if the marriage lasted 10+ years, you are unmarried, and both of you are 62+. The benefit works the same way (up to 50% of the ex-spouse's PIA) and does not reduce what your ex receives. There is also no requirement that the ex has claimed, for divorced spouses born after the 2026 law changes — check with Social Security.
When should the spouse claim?
If the spouse's own benefit is lower, the spousal benefit is a floor — claim it at FRA for the full 50%. The 2026 law tightened deemed filing, so in most cases the spouse must wait until the worker has claimed. As with all Social Security decisions, the break-even math and health history should drive the timing.
Disclaimer: Results are estimates for general information only and do not constitute financial, tax, or legal advice. Figures reflect 2026 rules and may change. Always confirm current limits and consult a qualified professional before making decisions. Official figures: IRS.gov · 2026 limits per IRS tax inflation adjustments.