How much will my spousal benefit be if I claim it at 62 and my spouse retired at full retirement age?

If you take a spousal benefit at 62, the earliest eligibility age, your benefit would be based on your spouse's full retirement benefit but with reductions because you are claiming early. 

Your full retirement age (FRA) is 66 plus 8 months if you were born in 1958, 66 and 10 months if you were born in 1959 and 67 if you were born in 1960 or later. Someone turning 62 in 2025 would receive a spousal benefit equal to 32.5 percent of their mate’s full retirement benefit. The proportion increases each month you wait to file, maxing out at 50 percent if you do so at your FRA.

Receiving a spousal benefit does not affect the amount of your spouse's retirement benefit. That's based on his or her own earnings history and claiming age.

Keep in mind

• Under Social Security's "deemed filing" rule, you can't separately claim retirement and spousal benefits. When you apply for one, you're applying for the other, if you're eligible. Social Security will pay you whichever benefit amount is higher.
• Widows and widowers are subject to different reductions for taking survivor benefits before full retirement age.