Survivor Income Calculator
Calculate how much your surviving spouse would need in life insurance proceeds to maintain their current standard of living, accounting for their income and Social Security benefits.
Part of our Insurance Calculators collection.
Survivor Income Calculator
Free online calculator
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Enter 0 if spouse doesn't work
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Check ssa.gov for your estimate
How to Use This Calculator
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Enter your personal details and financial information.
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See the estimated cost or coverage need instantly.
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Adjust inputs to compare different scenarios.
How This is Calculated
Monthly Shortfall = Monthly Expenses − (Spouse Income/12 + SS Survivor Benefit) Total Need = Shortfall × 12 × Years Social Security survivor benefits: typically 71–100% of deceased's SS benefit. Check ssa.gov for personalised estimate.
Example Calculation
See your personalised estimate
Inputs
Result
Enter values above for your estimate
Results update as you enter your information.
Frequently Asked Questions
How accurate are these estimates?
These are estimates based on industry averages and publicly available data. Actual premiums and costs depend on your specific health history, location, provider, and underwriting. Always get quotes from a licensed insurance agent for accurate pricing.
Should I consult a professional?
Yes — a licensed independent insurance agent can shop multiple carriers on your behalf and find the best coverage for your needs and budget. For life insurance, final expense, and burial insurance, getting 3+ quotes is strongly recommended.