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Social Security

Survivor Benefit Estimator

Estimate a widow/widower survivor benefit based on when you start (age 60 → your full retirement age).

Enter your information

This calculator updates automatically.

1
What monthly amount do you have?
Pick the option that matches your situation.
If you’re unsure, use the gross monthly benefit shown on their benefit letter.
Use the FRA amount from the SSA statement (not the age 62 or age 70 amount).
2
Your birth month and year
We use this to estimate your full retirement age (FRA).
Your estimated full retirement age (FRA):
3
When do you want to start survivor benefits?
Starting later generally increases the monthly amount (until FRA).
Start at age 60y 0m
FRA: —
Earliest start is age 60 for widow/er benefits.
Important: This is an educational estimate for widow/widower survivor benefits only. It does not include earnings test rules or every SSA edge case. SSA determines the final amount.

Your estimate

$—
If you start at age —
Estimated FRA
Reduction
Using
Monthly estimate by start age
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