Social Security GPO Calculator

The GPO was repealed for benefits from January 2024. See what the offset did and what you are owed.

By Konstantin Iakovlev · Updated September 2026 · Source: SSA — Social Security Fairness Act

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The Government Pension Offset (GPO) was repealed by the Social Security Fairness Act (signed January 2025), effective for benefits payable for January 2024 and later. No offset applies — you receive your full spousal or survivor benefit.

GPO Offset (repealed)

$0.00

Remaining Spousal Benefit

$1,500.00

Remaining Survivor Benefit

$2,200.00

Spousal Benefit Impact

Original Spousal Benefit$1,500.00
GPO Offset- $0.00
Remaining Spousal Benefit$1,500.00
Annual Reduction$0.00
StatusGPO repealed — benefit paid in full

Survivor Benefit Impact

Original Survivor Benefit$2,200.00
GPO Offset- $0.00
Remaining Survivor Benefit$2,200.00
Annual Reduction$0.00
StatusGPO repealed — benefit paid in full

Total Monthly Income

With Spousal Benefit$4,000.00
With Survivor Benefit$4,700.00

Use the Social Security GPO Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

How It Works

The Government Pension Offset no longer exists. The Social Security Fairness Act, signed on January 5, 2025, repealed it along with the Windfall Elimination Provision, and the repeal reaches every benefit month from January 2024 onward. A pension from work that did not withhold Social Security tax no longer reduces the spousal or survivor benefit you can draw on a partner record. This tool now shows an offset of zero and sets out what the rule used to do.

For reference, here is what the offset did while it stood. It subtracted two-thirds of the monthly government pension from the spousal or survivor benefit, rounded up to the nearest ten cents, and it could drive that benefit to zero. It never touched the Social Security benefit a person had earned through their own covered work, and it never applied to foreign pensions. Congress repealed it by striking the provision from the statute rather than rewriting it, so there is no reduced version still in force.

What matters now is what you should do. Beneficiaries already receiving an offset amount had it removed automatically, with a one-time payment covering the increase back to January 2024. Anyone who never filed for a spousal or survivor benefit because the offset would have wiped it out should apply, since the application date affects when payments begin. The only months the old rule still governs are those through December 2023, reachable through recomputations and appeals rather than any new claim. Confirm your own record with the Social Security Administration.

Example: what changed for Maria

  1. 1 Maria receives a monthly government pension of $1,500 from a job where she did not pay Social Security taxes. She also qualifies for a spousal Social Security benefit of $1,000 per month on her husband earnings record.
  2. 2 Under the old offset, two-thirds of her pension came off that benefit: two-thirds of $1,500 is $1,000.
  3. 3 That subtraction wiped the benefit out entirely: $1,000 minus $1,000 left her nothing, which is why many people in her position never bothered to file.
  4. 4 The repeal removed that subtraction for every benefit month from January 2024 onward. Maria now receives the full $1,000 spousal benefit on top of her $1,500 pension, and if she had been drawing a reduced amount she also received a lump sum covering the months since January 2024.

Source: SSA — Social Security Fairness Act · Last updated: September 2026

Frequently Asked Questions

Does the Government Pension Offset still apply?
No. The Social Security Fairness Act repealed it on January 5, 2025, and the repeal covers every benefit month from January 2024 onward. While it stood, the offset cut a spousal or survivor benefit by two-thirds of a government pension earned in work that did not withhold Social Security tax, often wiping the benefit out entirely.
How much did GPO take before it was repealed?
Exactly two-thirds of the government pension. On a $3,000 monthly pension the offset was $2,000, which erased a $1,500 spousal benefit completely. Since the repeal there is no offset at all: the same person now draws the full $1,500 alongside the pension, and received a lump sum covering the months back to January 2024.
Is there any situation where GPO still bites?
Only benefit months through December 2023, and no new claim can reach them: retroactivity runs 6 to 12 months, so an application filed today cannot land before 2024. Those months come up only in recomputations, overpayment and underpayment determinations, appeals, and claims filed for someone who has died. Congress repealed the offset by striking it from the statute, so no reduced version survives.

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