Average monthly Social Security benefit (2026) $3,208 Married couple, both receiving benefits Widow(er) receiving survivor benefits $1,919 $2,071 Retired worker Social Security Expectations It is generally wise not to place too much emphasis on Social Security in your retirement planning. The income you might receive is intended to supplement retirement savings, not to replace it. And Social Security faces serious fiscal challenges. In 2025, the Social Security Administration estimated that it should be able to pay current retiree and survivor benefits until 2034. After that, the program might be able to pay about 81% of scheduled benefits, unless Congress takes action. To estimate your monthly Social Security benefit, go to socialsecurity.gov/estimator/. Source: Social Security Administration, 2025
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