Planning as a couple
Last updated November 3, 2026
Choose "married filing jointly" and the plan models both of you. Each of you gets your own Social Security figure, claiming age and required distributions.
Filing status unlocks the spouse fields. Set it in Household, and the rest of the plan asks for a second set of answers where it needs them.
Each of you has your own retirement date. Withdrawals begin once both working spouses have retired. A spouse you've marked as having no income doesn't hold that date back.
The survivor view is in Compare. It shows the surviving spouse's sustainable monthly income, and where term life and a pension's survivor percentage change it.
There are two limits. We don't model spousal benefits, the extra a lower earner can claim on a spouse's work record. We work out each spouse's benefit from their own record. And we simplify the survivor's benefit to a step-up to the higher of the two, which isn't the real rule.
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