Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Result
Old WEP-reduced PIA (historical formula)
$1,214
Old WEP monthly reduction
$587
Unreduced PIA (current law)
$1,801
Old GPO spousal/survivor offset
$1,200
Old GPO-reduced spousal benefit
$0
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How to use this
- 1Enter average indexed monthly earnings (aime) ($).
- 2Enter years of substantial covered earnings.
- 3Enter monthly non-covered government pension ($).
- 4Enter spousal/survivor ss benefit before offset ($).
- 5Read your old wep-reduced pia (historical formula) on the right — it updates as you type.
- 6Hit Share to keep the scenario or send it to someone.
About this calculator
As of January 2025, the Social Security Fairness Act repealed both the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), so most people affected historically now receive their full, unreduced Social Security benefits going forward, including retroactive adjustments back to January 2024. This tool is kept for historical and educational reference so you can see how the old formulas worked, since some state-specific pension systems and older records still reference these rules. WEP used to reduce the first-tier 90% factor in the PIA formula down to as low as 40% for people with pensions from work not covered by Social Security (many teachers, police, firefighters, and federal CSRS employees). GPO used to reduce spousal or survivor Social Security benefits by two-thirds of the non-covered government pension amount. Use this to understand the old mechanics or verify legacy statements; current benefits should no longer include these reductions.
Worked example
Using the values the calculator loads with:
Inputs
- Average indexed monthly earnings (AIME): 3500 $
- Years of substantial covered earnings: 15
- Monthly non-covered government pension: 1800 $
- Spousal/survivor SS benefit before offset: 1200 $
Results
- Old WEP-reduced PIA (historical formula): $1,214
- Old WEP monthly reduction: $587
- Unreduced PIA (current law): $1,801
- Old GPO spousal/survivor offset: $1,200
- Old GPO-reduced spousal benefit: $0
What each field means
Inputs
- Average indexed monthly earnings (AIME) ($)
- The average indexed monthly earnings (aime) used in the calculation, measured in $. Starts at 3500 $ so you have a working example on load.
- Years of substantial covered earnings
- The years of substantial covered earnings used in the calculation. Starts at 15 so you have a working example on load. Accepted range: 0–30.
- Monthly non-covered government pension ($)
- The monthly non-covered government pension used in the calculation, measured in $. Starts at 1800 $ so you have a working example on load.
- Spousal/survivor SS benefit before offset ($)
- The spousal/survivor ss benefit before offset used in the calculation, measured in $. Starts at 1200 $ so you have a working example on load.
Results
- Old WEP-reduced PIA (historical formula)
- Returned as a money amount in US dollars and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Old WEP monthly reduction
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Unreduced PIA (current law)
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Old GPO spousal/survivor offset
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Old GPO-reduced spousal benefit
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
Are WEP and GPO still in effect?
No. The Social Security Fairness Act, signed into law in January 2025, eliminated both provisions entirely. Benefits are recalculated without the reductions, and SSA issued retroactive payments covering the increase back to January 2024 for people previously affected. If your statement still shows an old WEP/GPO-reduced figure, it should have since been corrected.
Who used to be affected by WEP?
People who worked in jobs not covered by Social Security — commonly teachers in certain states, police and firefighters in state/local pension systems, and federal employees hired before 1984 under CSRS — who also had enough separate Social Security-covered work to qualify for a retirement benefit on their own record.
Who used to be affected by GPO?
Spouses or widows/widowers who received a government pension from non-covered work and also qualified for a Social Security spousal or survivor benefit based on a spouse's record. GPO could reduce or completely eliminate that spousal/survivor benefit.
Why does this calculator still exist?
For historical reference, to help people understand old benefit statements, verify retroactive correction amounts, and for the rare legacy administrative cases still referencing pre-2025 rules. Do not use it to estimate your current or future Social Security benefit.
Accuracy and limitations
- Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
- Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.
- This is educational maths, not financial advice. Check anything contractual with the lender or your accountant.
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Estimate your Federal Employees Retirement System annuity.
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). WEP/GPO Impact Estimator. Retrieved from https://www.revenuelab.fyi/toolbox/wep-gpo-impact-estimate
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/wep-gpo-impact-estimate" target="_blank" rel="noopener">WEP/GPO Impact Estimator — RevenueLab</a> (2026).</p>
Source: [WEP/GPO Impact Estimator — RevenueLab](https://www.revenuelab.fyi/toolbox/wep-gpo-impact-estimate) (2026).