The Social Security Spousal Benefits Calculator (One-of-a-Kind)

Today, I'm going to show you a tool I made that helps you understand Social Security benefits for spouses. It's unique and easy to use, especially since figuring out these benefits can be confusing. Let's clear up that confusion together.

📜 HEAR YE HEAR YE: Some of my videos contain links to third party products, apps, and services. If you click through, I may receive a small referral fee to my media company (Carroll Media Properties) through their referral program. Rest assured, I only recommend products or services that I believe will be helpful and informative to my audience.

⭐⚠️⭐Please read this⭐⚠️⭐

⚠️I am not an attorney, SSDI advocate, or affiliated with the Social Security Administration or any other entity of the US Federal Government. I am a practicing financial planner, but I’m not YOUR financial planner and since I don’t really know you, I can’t give you advice. So please don’t take this video as specific advice for your specific situation. Consult your own tax, legal and financial advisors. 🙇🙇🙇🙇🙇
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[janbussard]

Can I get spousesal benefits now. I was married to my exhusband for 17 years. I was 10 years older than him.. he is 59 years of age now and I'm 69 years of age.. I am on disability.. I did not have enough working credits to get my social security.. I did not work when my ex husband and I were together.. am I entitled to any spousecal support ?

[cathylingo]

Wow what a great tool. I am planning on retiring at 62 and it looks like I will get about the same amount with the spouse benefit as I would get at full retirement age. Thank you!

[PoisonIvy]

Welp, I was so excited to do this. It does not take into consideration if the lower earner already has filed at 62. Thanks anyway. I went back and changed it to my 62 birthday instead of the first of the month and it worked.

[positivelove]

Hi, I just hate that I was married for 14 yrs. My husband abandon me and my kids. I divorced him he was getting disability then got off. When my sciatica got bad had to stop working. I received SSI on my record. He went back to work now he has COPD so he is back on disability and married. But Ohio is telling me I can't receive his disability until I'm 62. It makes no sense to me and why I have to wait

[nonenone]

My husband passed away 12 weeks before his full retirement age of 66. Can I as the widow receive his full retirement retirement age benefits?? He was the much higher earner.

[AngelEyes-xmel]

Geez my ex retired early, by 5 years . I became disabled and i get a huge 1000.00 a month.

[stephenparsons]

My spouse does not have enough credits. She was a homemaker. She is also 5 years older than me. I plan to work a few months past my FRA. I understand she will be able to get a benefit of half of my FRA, not my monthly benefit based on working past FRA. True?

[ElissaLee]

Hi Devin, thanks for the tool. However, if I assume the high earner get $2K at FRA but retires at 62. The non-working spouse retires at 67, the calculator seems did not give the correct number. Your calculator says spousal benefit is $1K. Shouldn't it be 2K* 70% * 50% = $700 ? That is spousal benefit should be calculated base on worker's reduced SS? Thanks

[TheJscriptor]

spousal benefit is still not clear for me.

Here is my question: Secondary earner spouse went into SSDI due disability and this was *** 4 years before the secondary earner FRA ***. At 66 the secondary earner spouse was auto switched to SS benefit (please note that 66 is the FRA for the secondary earner spouse). Also please note that the primary earner is still work and will retire in 2025 at FRA.

Let assume that today, the secondary spouse SS benefit = $500
Let assume that the projected Primary earner SS benefit at FRA in 2025 = $2000

Question: Is the secondary earner spouse eligible for $500 (Spouse SS benefit) + $500 = $1000 when the primat earner file for SS benefit.

If yes, when the secondary earner spouse should file for the this benefit?

The key concept I am trying to understand is that if going into unexpected disability of the lower earner spousal at pre FRA age is a cause to penalize the lower earner spousal benefits at the primary earner FRA age?

[SandraGonzalez-jr]

Im on social security . I was only getting $200 month. I appied under my husbands and they gave me a extra $899 while hes living. Do i still get his benifets if we were seperated?

[vt]

Social security affordable act will affecting spouse benefits

[masterlee]

23 years of my wife's work history as a nurse was with the state. Then the state sold the hospital. Do you have a specific video on how to calculate the state retirement check she gets with social security when she starts collecting as she is still working at a private hospital at age 60?

[jeraldwarner]

This is an excellent tool. Thank you so much for providing freely to the public. I’ve been trying to figure out my particular situation where my lower earning spouse has been collecting on her record since she turned 62. I want to wait to retire after her FRA to maximize her spousal benefit. Your calculator confirms what I had calculated. The sad thing us is I went to the SS office today to ask for this info and the employer gave me a different answer. He said her benefit would be calculated based on my early retirement payment vs my FRA.

[ScottKoll-jcer]

Hi Devon! I’m 65 and not collecting benefits. Does the projected amount shown on my social security statement already include past COLAs from year I turned 62 or added when I file? Thanks for all your info!

[Gemini]

Is survivors benefits the same as spousal benefits? My husband passed away in 2022, I receive survivor benefits 1, 123 a month. Only 13, 476 a year. No way anyone could survive on this. I am also disabled. Social Security took my disability to switch it to Survivors benefits. How can I earn extra income? How much income can I earn so it doesn’t affect my survivor benefits? I’m 54.

[DoctorSmartyPants]

Devin, did you forget to put a link in for your video on spousal benefits?

[michaelhale]

Simple question, but not able to find a simple answer. I am the higher earner, will file for Social Security at my FRA 66/10, and my wife files later that month (before her FRA and subjected to the WEP); will she be impacted by the WEP as the lesser earner with regard to her spousal benefit?

[johnglenn]

I'm more confused now than before I watched. I thought one spouse had to have passed away before the other could file for any benefits.

[thepokerpilotapp]

The model is taking into account the COLA factor I indicate BUT it ISN’T factoring in the annual delay increase for each year beyond FRA, or 67 in my case. Therefore the model is UNDERESTIMATING my benefit.

[Roksee]

I do not have enough quarters paid in to receive anything on my own record. My husband, the higher earner, is several years older. Do I have to reach a certain age myself before I can claim spousal benefits?