Social Security - Survivor Benefit - Calculator
In 10 years, will "Future You" wish you’d started today?
Survivor Benefit Estimator
Answer the first question, then enter your birth year and the deceased worker’s PIA. If the deceased filed early, add the actual monthly amount they were receiving at death (if known).
| Age | Benefit ($/mo) | % of FRA Base |
|---|
Social Security
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Social Security Tools Suite
Full Retirement Age Calculator – Determines Full Retirement Age for Social Security benefits.
Social Security Benefit Calculator – Projects monthly retirement income based on Primary Insurance Amount.
Spousal Benefit Calculator – Compares potential benefits based on both spouses’ work histories and claiming ages.
Survivor Benefit Calculator – Estimates benefits available to a surviving spouse.
Social Security Break Even Calculator – Compare claiming ages and estimate total lifetime benefits.
Social Security Office Directory – Provides maps, contact details, and weather information for local SSA offices.
Schedule Your Social Security Benefit Review – Schedule your personalized review to better understand your benefits and claiming options.
Widow(er) survivor benefits — FRA 67 (born 1962+)
| Claiming age | % of deceased worker’s benefit |
|---|---|
| 60 | 71.5% |
| 61 | 75.6% |
| 62 | 79.6% |
| 63 | 83.7% |
| 64 | 87.8% |
| 65 | 91.9% |
| 66 | 95.9% |
| 67 (Survivor FRA) | 100% |
Widow(er) survivor benefits — FRA 66 (Born 1945–1956)
| Claiming age | % of deceased worker’s benefit |
|---|---|
| 60 | 71.5% |
| 61 | 76.3% |
| 62 | 81.0% |
| 63 | 85.8% |
| 64 | 90.5% |
| 65 | 95.3% |
| 66 (Survivor FRA) | 100% |
Social Security Administration Rules
Survivor Full Retirement by Birth Year
1945–1956: 66
1957: 66 + 2 months
1958: 66 + 4 months
1959: 66 + 6 months
1960: 66 + 8 months
1961: 66 + 10 months
1962+: 67
Notes
Earliest widow/er age is 60 (or 50 if disabled).
Reductions scale by months early, with a max 28.5% reduction at age 60.
There are no delayed credits for survivor benefits; at FRA and after, it’s 100% of the deceased worker’s benefit (subject to widow(er)’s limit rules).
Code of Federal § 404.335-404.342
Frequently Asked Questions
Are these calculators free to use?
Yes, all calculators on the site are completely free to use. You don’t need to sign up or provide any personal information.
How accurate are the results?
The calculators provide estimates only. They are based on the numbers you enter and standard formulas (such as compound interest or amortization schedules). Actual results may vary depending on factors like taxes, fees, or individual financial circumstances.
Can I use these calculators for financial planning?
The calculators are designed to help you explore scenarios and compare options. They are not a substitute for personalized financial advice. For a detailed plan tailored to your goals, we recommend scheduling a consultation.
Do the calculators account for taxes or inflation?
Most calculators do not automatically include taxes or inflation unless specifically stated. You can often adjust the interest rate or contribution assumptions to approximate these factors.
Do these calculators support different compounding periods?
Yes, some calculators allow you to choose how interest is compounded (monthly, quarterly, annually, etc.). This flexibility helps model real-world savings and investment scenarios more accurately.
What if my situation doesn’t fit the calculator exactly?
That’s common! These tools are meant to give you a baseline estimate. If your situation involves unique factors (tax rules, irregular cash flows, multiple accounts), schedule a conversation so we can customize the numbers.
Is my data saved or tracked?
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