Here's the Average Social Security Spousal Benefit by Age

By Matt Frankel, CFP – Jan 31, 2026 at 9:33AM EST

Age matters when it comes to spousal benefits. Here are the numbers to show you just how much.

Social Security spousal benefits provide much-needed retirement income to many married couples in the United States. However, the age at which you claim a spousal benefit can make a big difference in how much you get. In this video, I'll discuss the average spousal benefit by age and discuss what you need to consider before claiming yours.

*Stock prices used were the morning prices of Jan 22, 2026. The video was published on Jan 23, 2026.

Matt Frankel, CFP, is a contributing Motley Fool stock market analyst and personal finance expert covering financial stocks, REITs, SPACs, and personal finance. Prior to The Motley Fool, Matt taught high school and college mathematics. He holds a bachelor’s degree in physics from the University of South Carolina, a master’s degree in mathematics from Nova Southeastern University, and a graduate certificate in financial planning from Florida State University. He won a SABEW award for coverage of the 2017 Tax Cuts and Jobs Act. He is also regularly interviewed by Cheddar, The National Desk, and other TV networks and publications for his financial, stock market, and investing expertise.

TMFMattFrankel

@MattFrankelCFP

Here's the Average Social Security Spousal Benefit by Age

Read Next

About the Author

Premium Investing Services