Survivor Income Estimator

OwnYourPension

When the first spouse passes, the survivor doesn’t keep both Social Security checks — only the larger one continues. A pension can shrink too. And the survivor often files at single tax rates on top of it: the “widow’s tax.” See the income drop in plain dollars, so you can plan for it. An estimate to learn from, not a quote.

“OwnYourPension” is an educational brand name — not a pension provider. This is a general income estimate, not tax, Social Security, or investment advice. Annuities and insurance products are not insured by the PBGC, the FDIC, or any government agency, and any guarantee depends solely on the claims-paying ability of the issuing insurance company.

Your household income today

Your Social Security — per month Your spouse’s Social Security — per month Pension — per month (enter 0 if none) If the pension-holder passes first, the survivor keeps Other income that continues to the survivor — per month (e.g. an annuity with a survivor benefit; 0 if none)

The survivor’s income

Guaranteed income drops by

$0 /mo

Today /mo

Survivor /mo

Income drop

Enter your income to see the survivor’s picture.

Close the gap before it happens

There are straightforward ways to cushion the survivor’s drop — a joint-and-survivor income choice, an annuity that keeps paying a spouse for life, or life insurance sized to the gap. Send your details and an OwnYourPension specialist will show you what it would take to protect the survivor’s income, in plain numbers.

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Important. This estimate is for educational purposes only and is not tax advice, Social Security advice, or a recommendation to buy any product. It models only the guaranteed-income change you describe: it assumes the survivor keeps the larger of the two Social Security benefits (the smaller one stops, which is the general rule for a surviving spouse at full retirement age), that the pension changes to the survivor percentage you select, and that “other income” continues unchanged. Your actual Social Security survivor benefit depends on each spouse’s earnings record, the ages at which benefits were claimed, full-retirement-age rules, and any applicable reductions — confirm your numbers with the Social Security Administration. The “widow’s tax” effect (the shift from married-filing-jointly to single brackets and the larger share of Social Security that can become taxable) is described here in general terms and is not calculated; your actual tax depends on your full return. Consult the Social Security Administration and your own tax professional. Guarantees on any insurance product are backed solely by the claims-paying ability of the issuing insurance company — not by OwnYourPension, by any insurance agency, or by any government agency. OwnYourPension is an educational resource and is not an insurance company; annuities and life insurance are offered through licensed agencies we work with, who are compensated by commission. OwnYourPension is affiliated with T&T Capital Management LLC, a registered investment adviser and fiduciary that charges a fee for advisory services; which entity serves you, and how it is compensated, is disclosed before you engage.