Social Security WEP Calculator
Calculate WEP reduction to SS benefits for workers with non-covered pensions.
Original Monthly Benefit
$1,800.00
WEP Reduction
$587.00
per month
Adjusted Monthly Benefit
$1,213.00
WEP Impact
| Monthly WEP Reduction | $587.00 |
| Annual WEP Reduction | $7,044.00 |
| Max WEP Reduction (2026) | $587.00 |
| Years of Substantial Earnings Needed to Eliminate WEP | 15 more years |
WEP Phase-Out by Years of Earnings
| 15 years — reduction $587.00/mo | $1,213.00/mo |
| 20 years — reduction $587.00/mo | $1,213.00/mo |
| 21 years — reduction $528.30/mo | $1,271.70/mo |
| 25 years — reduction $293.50/mo | $1,506.50/mo |
| 30 years — reduction $0.00/mo | $1,800.00/mo |
Use the Social Security WEP 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.
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