Social Security Spousal Benefit Calculator
2026 rulesEstimate your monthly benefit as a spouse, depending on the age you claim.
Your numbers
Result
Monthly benefit at your claiming age
- Your full retirement age67
- Months before full retirement age36
- Your own benefit$720
- Spousal top-up at full retirement age (50% of spouse − yours)$600
- Spousal top-up after early reduction$450
- Total monthly$1,170
- Yearly$14,040
- Spousal benefit at FRA instead$1,500
Spousal benefits stop growing at full retirement age, so waiting past it raises only your own part. Your spouse must have filed for their benefit first.
How it works
A spousal benefit is up to half of your spouse's benefit at full retirement age. If you have your own benefit, you get yours plus a top-up equal to the difference.
Claiming early reduces both parts. Your own benefit drops 5/9 of 1% per month for the first 36 months early and 5/12 of 1% after that. The spousal top-up drops 25/36 of 1% per month for 36 months, then 5/12 of 1%.
2026 figures: SSA 2026 COLA fact sheet; CMS 2026 Medicare Parts A & B premiums and deductibles; IRS Rev. Proc. 2025-19 (2026 HSA limits).
Questions
Does waiting past full retirement age raise the spousal benefit?
No. Delayed credits raise only your own benefit. The spousal part is at its maximum at full retirement age.
Can divorced spouses claim?
Yes, if the marriage lasted 10 years, you are unmarried, and you are 62 or older. Your ex doesn't have to have filed if you've been divorced for two years.