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 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.