You should be able to enter the start dates for your pension into the calculator. To the right of the box where you enter your pension income is a box that says: "start at age."If you are the one entering the data, put the age you will be when your wife's pension begins.The Retirement Calculator is here: https://www.newretirement.com/Plan/Retirement_Planner.aspxIf you saved your data last time you used it, remember to log in to retrieve your information.