Model spousal and survivor Social Security benefits to find the claiming strategy that protects your household.
Deceased Spouse
Surviving Spouse
Assumptions

Key Rules

  • Survivor benefits available as early as age 60
  • Benefit = deceased's actual amount (incl. any delay credits they earned)
  • Reduced up to 28.5% if claimed before survivor's FRA
  • No increase for delaying past survivor's FRA
  • Can claim one benefit first, switch to the other later
Strategy Comparison Click any card to view its chart
Cumulative Benefits — select a strategy above

⚠️ Important Disclaimer

This calculator provides estimates only based on the assumptions you enter. Actual results will vary.

This is not financial advice. Consult a qualified financial advisor or tax professional for personalized guidance.

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