Free Married Persons Calculator:

Free Married Persons Calculator:

Married couples face a bewildering array of claiming choices. Consequently, most do a poor job of deciding which benefits to claim and when to claim them. An average couple can easily leave $100,000 on the table by making an uninformed decision, but don't take our word for it -- find out just how much you could leave behind with this calculator!

This free Married Persons Calculator takes just two pieces of non-sensitive information and immediately presents just how much you and your spouse may lose if you follow typical claiming patterns.

We Need Just a Little Information:

To use the calculator, you need to enter only two pieces of information for each spouse: 1) year of birth; and 2) the monthly benefit amounts at your full retirement age (you can use rough estimates or get your best estimate from Your Social Security Statement, which if necessary you can get online at: http://www.ssa.gov/mystatement/

Years of Birth

1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 Husband's Year of Birth:

1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 Wife's Year of Birth:

Benefit Information

For the husband and wife, please enter the following amounts as if you continued working until your full retirement age from Your Social Security Statement.

Husband's Monthly Benefit:

Wife's Monthly Benefit:

Your Retirement at Risk:

Most people claim benefits well before their full retirement age and they also fail to take advantage of valuable claiming strategies. The graph shows how much you and your spouse might lose by claiming at a seemingly reasonable, yet suboptimal age. (These are custom estimates based on the information you just entered).

How Much Could I Leave Behind?

For a normal life expectancy (82 for males; 86 for females), such a poor claiming decision could cost you upwards of $*.

For a long life expectancy (88 for males; 92 for females), such a poor claiming decision could cost you upwards of $*.

Want to avoid these claiming mistakes and their associated losses? Find out what the optimal claiming decisions are for you and your spouse (and how much other suboptimal choices could cost you) by getting your Married Persons Report on the next page.

* Amounts are discounted to account for the time value of money. These amounts are in today’s dollars.