Government Pension Offset (GPO) Calculator
Calculate how GPO reduces your spousal/survivor Social Security benefits.
GPO Calculation
Gov Pension:$ 2000
2/3 of Pension:$ 1333
GPO Offset:$ 1200
GPO reduces spousal/survivor benefits by 2/3 of your non-covered government pension.
Spousal Benefit Impact
Entitled Benefit:$ 1200
GPO Offset:$ 1200
Actual Benefit:$ 0
Plus Pension:$ 2000
Total Monthly:$ 2000
Survivor Benefit Impact
Entitled Benefit:$ 2500
GPO Offset:$ 1333
Actual Benefit:$ 1167
Plus Pension:$ 2000
Total Monthly:$ 3167
Annual Summary
Pension Annual:$ 24000
Spousal After GPO:$ 0
Survivor After GPO:$ 14000
Spousal GPO Loss:$ 14400
Survivor GPO Loss:$ 16000
Complete Spousal Benefit Offset
Your GPO offset equals or exceeds your spousal benefit. You receive $0 from spousal SS, only your pension.
GPO Key Points
- GPO reduces spousal/survivor SS by 2/3 of non-covered pension
- Affects government employees, teachers, some municipal workers
- Can completely eliminate spousal/survivor benefits
- Unlike WEP, GPO affects both spousal AND survivor benefits
- Last 60 months of covered work may help reduce GPO
- GPO and WEP can both apply to the same person