Here's an attempt to compute not just a lower bound, but exactly how many passwords the OP's criteria allow.
We have $26$ upper-case letters, $26$ lower-case letters, $10$ digits, and
an unknown number of "symbols".
The number of "symbols" is unknown because many websites accept only a restricted subset of the non-alphabetic, non-numeric characters that are
generally available.
I'll assume all password characters must be among the $94$ non-whitespace printable ASCII characters (excluding "delete") and that the symbols must be some subset of the characters that remain after we remove the $62$ letters and digits. Hence there are $n$ symbols, where $n \leq 32$.
Let $U$ be the set of upper-case letters, $L$ the set of lower-case letters,
$D$ the set of digits, and $S$ the set of symbols.
The total number of eight-character passwords using all characters
from $U\cup L\cup D\cup S$ without restriction is $(62+n)^8.$
Exclude those that use only three of the classes of characters:
$U\cup L\cup D$ only: $62^8$ passwords
$U\cup L\cup S$ only: $(52+n)^8$ passwords
$U\cup D\cup S$ only: $(36+n)^8$ passwords
$L\cup D\cup S$ only: $(36+n)^8$ passwords
By the Inclusion-Exclusion principle, we now add back the following numbers of passwords using only two classes of characters:
$U\cup L$ only: $52^8$ passwords
$U\cup D$ only: $36^8$ passwords
$L\cup D$ only: $36^8$ passwords
$U\cup S$ only: $(26+n)^8$ passwords
$L\cup S$ only: $(26+n)^8$ passwords
$D\cup S$ only: $(10+n)^8$ passwords
Finally, by the Inclusion-Exclusion principle, once again exclude the passwords generated by only one class of character:
$U$ only: $26^8$ passwords
$L$ only: $26^8$ passwords
$D$ only: $10^8$ passwords
$S$ only: $n^8$ passwords
So the grand total as a function of the number of symbols, $n,$ is
\begin{align}
P(n) &= (62+n)^8 - 62^8 - (52+n)^8 - 2(36+n)^8 \\
&\qquad + 36^8 + 2(26+n)^8 + (10+n)^8 - 2\left(26^8\right) - 10^8 - n^8 \\
&= 2271360 n (n^4 + 155 n^3 + 10820 n^2 + 410440 n + 8287152)
\end{align}
(expanded and simplified by Wolfram Alpha).
Assuming the wife's password rules allow the choice of any one of the classes
of characters, but then the password must be made only from characters in
that set, these rules allow the user to make any of
$Q(n) = 2\left(26^8\right) - 10^8 - n^8$ passwords.
The values of $P(n)$ and $Q(n)$ for some values of $n$ are:
\begin{array}{rrr}
\hfill n\hfill & \hfill P(n)\hfill & \hfill Q(n)\hfill \\ \hline
1 & 19\,780\,293\,012\,480 \approx 1.98\times10^{13}
& 417\,754\,129\,153 \approx 4.18\times10^{11} \\
10 & 309\,780\,614\,707\,200 \approx 3.10\times10^{14}
& 417\,854\,129\,152 \approx 4.18\times10^{11} \\
25 & 1\,596\,945\,063\,168\,000 \approx 1.60\times10^{15}
& 570\,342\,019\,777 \approx 5.70\times10^{11} \\
32 & 2\,807\,657\,387\,458\,560 \approx 2.81\times10^{15}
& 1\,517\,265\,756\,928 \approx 1.52\times10^{12}\\
\end{array}
For a reasonable number of symbols (about 25), we see that the OP's
rules allow thousands of times as many passwords as the wife's.
Even if there is just one symbol, $P(n)$ is more than $40$ times $Q(n).$
Of course, when $n=0$, $P(n)=0,$ since it is impossible to include a symbol
in the password when no symbols are allowed.
Note, however, that the OP's relative advantage (the ratio
$P(n)/Q(n)$) peaks at $n = 25$ symbols, when
$P(n)/Q(n) \approx 2800.$
As $n$ increases above $25,$ the ratio rapidly falls off.
If there were a much larger number of symbols available,
specifically, if $n\geq 175$, the wife's rules would allow for more passwords.
The extremely large number of passwords that could then be generated with symbols alone would then overwhelm the number of passwords that could be generated by replacing some of the symbols by other characters.