Social Security Survivor Benefits Calculator: A Simple, Educational Estimator

If you’ve recently lost a spouse—one question that may arise is: How much would I receive in Social Security survivor benefits?

I created a free calculator to help you get a rough estimate. While I hope this tool is rarely needed, it can offer clarity during a time of uncertainty. Here is a link to Social Security Survivor Benefits Estimator Tool.

💡 Why I Built This Social Security Tool

When I contacted Social Security to ask about survivor benefits, they informed me that they don’t provide individual estimates unless you are closer to age 60 and have officially applied. That left a gap in planning.

So I decided to build a tool that gives you an early look based on reasonable assumptions—for educational purposes only.

📋 What You’ll Need To Calculate Your Social Security Survivor Benefits

To use the calculator, you’ll input:

• The year your spouse passed away

• The amount of benefits they were receiving

• Your age at the time of their death
  

The calculator then projects future benefits, factoring in historical cost-of-living adjustments (COLAs). While your spouse's benefit amount won’t change from additional work, it will increase annually with COLA.

📈 Assumptions Used In Calculating Your Estimated Benefits

• COLA: Based on a 10-year historical average

• No new earnings or contributions from the deceased

• Benefits can start as early as age 60

Disclaimer: This tool is for informational and educational use only. Please consult a qualified professional before making any financial decisions.