Social Security Spousal Benefit Calculator: the spousal benefit by claiming age
2026 law · reviewed September 6, 2026
| Claimed at | Full retirement age 67 (born 1960 or later) | 66 and 8 months (born 1958) | 66 and 6 months (born 1957) |
|---|---|---|---|
| 62 | 32.5% | 32.5% | 33.8% |
| 63 | 35.0% | 35.0% | 36.3% |
| 64 | 37.5% | 37.5% | 39.6% |
| 65 | 41.7% | 41.7% | 43.8% |
| 66 | 45.8% | 45.8% | 47.9% |
| 67 | 50.0% | 50.0% | 50.0% |
Spousal benefit as a share of the worker's full benefit, by the spouse's claiming age and full retirement age (20 CFR 404.333 and 404.410(b)).
Educational only, not investment, tax, or legal advice. Results are hypothetical estimates that vary with each use and over time and are not guaranteed accurate or complete. Using this tool creates no client relationship with Considerate Capital, and the site that linked here is not affiliated with it. By using it you agree to the tool terms.