DJR Financial Services, Inc.
Daniel Porter, MBA
Financial Planner
2480 Stearns Street
Simi Valley, CA 93063

Social Security Retirement Benefit Calculator - Married Couples
Social Security Retirement Benefit Calculator - Married Couples

This calculator analyzes the multiple Social Security retirement benefit scenarios available to a married couple (both spouses must be age 50 or older). Given the assumed ages at death, the calculator suggests the scenario that appears to offer the highest potential total lifetime benefit.

Restricted applications (i.e., an individual filing for spousal benefits at full retirement age, but not for retirement benefits until a later date, in order to get an increased retirement benefit) are not available for persons turning age 62 after 2015. A person born after 1953 that applies for either a retirement or a spousal benefit will be deemed to apply for the other type of benefit as well.

"File and suspend" was a strategy in which a spouse filed for retirement benefits at full retirement age and immediately suspended the benefits, allowing the other spouse to file for spousal benefits. For any request for benefit suspension submitted after April 29, 2016, spousal benefits cannot be paid to either spouse during the suspension period. This calculator no longer includes the file and suspend strategy.

Enter Basic Information
Spouse 1 (S1) Spouse 2 (S2)
Year of birth (1950 to 1970)
Each spouse must be age 50 or older, and younger than 71.

Benefit age (62 to 70)
Estimated monthly benefit at selected age $ $
Enter estimated monthly Social Security retirement benefit, and the benefit age (62 to 70) for which the estimated monthly benefit applies. You can obtain the benefit amount from a Social Security Statement, or from the Social Security Administration website (

(Optional) Restrict the age ranges considered by the calculator
Lowest age to evaluate
Highest age to evaluate
The calculator evaluates scenarios and benefit options available between ages 62 and 70 for each spouse; if an individual is older than 62, the calculator will evaluate options available for the current age up to age 70. If you wish to restrict the age range considered (e.g., Spouse 1 wants to begin claiming benefits no later than age 68), you may do so by adjusting the lowest age or highest age for each spouse.

(Optional) Change lifetime benefit period
Assumed age at death
Life expectancy (according to Social Security life expectancy tables) for Spouse 1 is assumed to be age 81 (life expectancy for a man), life expectancy for Spouse 2 is assumed to be age 84 (life expectancy for a woman). These values are used to estimate total lifetime benefits received. To change, enter new values above. Note that age must be at least the "highest age to evaluate" value used above, but no more than 119.

(Optional) Specify a scenario for comparison purposes
Spouse 1 (S1) Spouse 2 (S2)
Begin retirement benefits age (no less than lowest age to evaluate, nor more than highest age to evaluate)
This calculator will suggest the scenario that appears to offer the highest potential total lifetime benefit. To compare the result with another possible scenario (e.g., both spouses receiving benefits at age 62), enter specific retirement benefit starting ages above. To illustrate only the suggested scenario, leave the input fields for this section blank.


Securities and investment advisory services offered through SagePoint Financial Services, Inc. (SPF) member FINRA/SIPC. SPF is separately owned and other entities and/or marketing names, products or services referenced here are independent of SPF. Insurance offered through DJR Financial Services.  CA Insurance License # 0D71418

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