Windfall Elimination Provision (WEP) Calculator

The Windfall Elimination Provision (WEP) reduces Social Security benefits for people who receive a pension from work not covered by Social Security — such as state and local government jobs in some states, or certain foreign employment. The reduction can be significant but is capped and phases out if you have 30+ years of substantial Social Security-covered earnings.

Your Estimated Social Security Benefit (without WEP, from SSA statement)

Your Substantial Years of Social Security-Covered Earnings

Monthly Non-Covered Pension Amount

Year You Reached Age 62

Your WEP-Adjusted Monthly Benefit