Average monthly Social Security benefit (2025) $3,089 Married couple, both receiving benefits Widow(er) receiving survivor benefits $1,832 $1,976 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. The most recent trustees’ report (released in May 2024) indicates that Social Security should be able to pay current retiree and survivor benefits until 2033. After that, the program might be able to pay about 79% 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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