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Social Security COLA Calculator 2027.
See your 2027 Social Security check after the official 3.6 % COLA: new benefit, monthly and yearly raise, net payment after Medicare Part B, SSI amounts and the COLA history.
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Steps to use Social Security COLA Calculator 2027
Enter your current monthly benefit and, if it is deducted from your check, your Medicare Part B premium. The new benefit, the raise and your net check appear at once; enter the 2027 Part B premium when CMS publishes it.
How Social Security COLA Calculator 2027 processes your input
COLA, SSI, earnings test and taxable maximum from the SSA 2027 fact sheet (14 October 2026); COLA history from the SSA Office of the Chief Actuary; the Medicare hold-harmless rule is applied when the Part B increase exceeds the raise.
Social Security COLA Calculator 2027: worked example
$2,095 a month × 1.036 = $2,170.40, a raise of $75.40 a month or $904.80 a year (the SSA estimate for the average retired worker is $2,170).
How much will my Social Security increase in 2027?
The Social Security Administration announced a 3.6 % cost-of-living adjustment (COLA) on 14 October 2026. It applies to benefits for December 2026, paid in January 2027, and to SSI payments from 31 December 2026.
- Enter your current monthly benefit before Medicare is deducted (it is on your benefit letter or in my Social Security).
- If Medicare Part B is taken from your check, keep the option on and check the 2026 premium ($202.90 for most people).
- Enter the 2027 Part B premium when CMS announces it, usually in mid-November; until then the field starts at the 2026 amount.
Example: $2,095 a month × 1.036 = $2,170.40, a raise of $75.40 a month or $904.80 a year. SSA’s own estimate for the average retired worker is the same: $2,095 before, $2,170 after the COLA.
Net check, Medicare Part B and the hold-harmless rule
Your net payment is the new benefit minus the Part B premium, rounded down to the dollar. If the Part B increase is larger than your dollar raise, the hold-harmless rule limits the premium increase so your net check does not go down. Example: a $300 benefit rises by $10.80; if Part B went from $202.90 to $220, only $10.80 of the increase would be deducted and the net check stays at $97.
Hold harmless does not protect people who pay the income-related premium (IRMAA), new Medicare enrollees or people whose premium is paid by Medicaid; turn the option off in those cases. Medicare Part D and Medicare Advantage premiums and tax withholding are not included.
SSI, earnings limits and other 2027 figures
| Figure | 2026 | 2027 |
|---|---|---|
| COLA paid that year | 2.8 % | 3.6 % |
| SSI federal payment, individual | $994 a month | $1,029 a month |
| SSI federal payment, couple | $1,491 a month | $1,544 a month |
| Earnings test under full retirement age | $24,480 a year | $25,560 a year |
| Earnings test, year you reach full retirement age | $65,160 a year | $67,920 a year |
| Maximum taxable earnings | $184,500 | $192,300 |
Recent COLAs paid in January: 8.7 % in 2023, 3.2 % in 2024, 2.5 % in 2025 and 2.8 % in 2026. To see what the raise is worth against prices, try the Inflation Scenario Calculator; for savings that add to your benefit, the Retirement Contributions Projection and the Tax Bracket Calculator help plan withdrawals.
Questions about Social Security COLA Calculator 2027
What is the Social Security COLA for 2027?
3.6 %, announced by SSA on 14 October 2026. It is based on the rise of the average CPI-W from the third quarter of 2025 to the third quarter of 2026.
When will I see the 2027 increase?
In the payment for December 2026, which arrives in January 2027. SSI recipients see it in the payment dated 31 December 2026. SSA sends COLA notices in December and posts them in my Social Security.
Why is my new benefit a little lower than benefit × 1.036?
SSA rounds the benefit down to the dime and the payment down to the whole dollar, and deductions such as Medicare premiums or tax withholding come out of the check. The difference is usually under $1 before deductions.
What is the 2027 Medicare Part B premium?
CMS had not published it on 16 October 2026; it usually does in mid-November. The 2026 standard premium is $202.90. Enter the 2027 amount when it is known to update your net check.
Is Social Security COLA Calculator 2027 free, and do I need an account?
Yes. This tool is free to use in your browser without an account. Processing takes place on your device.
What are the limits and what should I check?
SSA rounds each benefit down to the dime and the payment down to the dollar, so your notice can differ by up to $1. The 2027 Part B premium was not yet published on 16 October 2026: you enter it. Nothing is uploaded. Review the result before using it in your work.
Is my input sent to a server?
Your input is processed in your browser and is not uploaded by this tool. Files and pasted text are cleared when the page is refreshed. Normal website requests are still required to load the page and its libraries. Read the privacy explanation.