Social Security Survivor Benefit Calculator
Estimate how Social Security income may change when one spouse dies, and what the surviving spouse may receive.
Your Information
Current Monthly Benefits
Use the monthly benefit the higher-benefit spouse receives or is expected to receive.
Use the monthly benefit the lower-benefit spouse receives or is expected to receive.
Survivor Claiming Age
Used to estimate the survivor full retirement age.
Most surviving spouses can claim as early as 60, but early claiming can reduce the survivor benefit.
The survivor generally receives the higher of their own benefit or the survivor benefit, not both added together.
Estimated Result
Enter your information and calculate your estimate.
Estimated survivor monthly Social Security:
$0
Household income drop will appear here.
Current Couple Benefit
$0
Monthly Income Lost
$0
Survivor FRA
0
Survivor Benefit Used
–
| Higher Spouse Benefit | $0 |
| Lower Spouse Benefit | $0 |
| Deceased Spouse Benefit Used | $0 |
| Estimated Survivor Benefit Before Own-Benefit Comparison | $0 |
| Survivor’s Own Benefit | $0 |
| Estimated Final Survivor Payment | $0 |
This calculator is for educational purposes only. It provides a simplified estimate for a surviving spouse. Actual Social Security survivor benefits can depend on the deceased worker’s claiming age, the survivor’s full retirement age, disability status, caring for a child under 16, remarriage, divorce rules, the retirement earnings test, government pension rules, family maximums, and other factors. Survivor benefits do not automatically mean the household keeps both Social Security checks. Contact the Social Security Administration for an official estimate.
