Social Security COLA Calculator
Calculate your new Social Security benefit after the 2027 cost-of-living adjustment (COLA). Enter your current monthly check to see your exact raise, new amount, and net increase after any Medicare Part B premium change.
How to Use This Calculator
- Enter your current monthly benefit - the amount on your most recent Social Security statement or deposit
- Pick the COLA year - 2027’s official 3.6% increase is selected by default
- Optionally enter an expected Medicare Part B premium increase to see your net raise, not just the gross one
- Click Calculate to see your new monthly and annual benefit
📈 The 2027 COLA: 3.6%
On October 14, 2026, the Social Security Administration officially announced a 3.6% cost-of-living adjustment (COLA) for 2027 — the largest increase since 2023, up from 2.8% in 2026. The COLA is calculated by comparing the average Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) for July, August, and September of the current year against the same three months of the prior year. The simple formula: new benefit = current benefit × 1.036.
📊 Recent COLA History
| Year | COLA |
|---|---|
| 2023 | 8.7% |
| 2024 | 3.2% |
| 2025 | 2.5% |
| 2026 | 2.8% |
| 2027 | 3.6% |
⚠️ When You'll Actually See the Increase
- Retirement, survivors, and disability (SSDI) benefits: the new amount starts with your January 2027 payment
- SSI payments: the increase arrives earlier, in your December 31, 2026 payment
- Your personal notice: the SSA mails COLA notices in early December, or you can view yours online by creating a "my Social Security" account by November 18, 2026
- Medicare Part B: for most retirees, the Part B premium is deducted straight from your check before you ever see it — if that premium rises for 2027, it will offset some of your raise (CMS typically finalizes the new premium in November)
🔗 Save & Share Your Calculation
Your inputs are automatically saved in the URL. You can bookmark this page to save your calculation, or use the Share button to send it to a family member.
Frequently Asked Questions
What is the Social Security COLA for 2027?
The Social Security Administration officially announced a 3.6% cost-of-living adjustment (COLA) for 2027 on October 14, 2026 — the largest increase since 2023, up from 2.8% in 2026. It applies to Social Security retirement, survivors, disability (SSDI), and SSI benefits.
How much will my Social Security check increase in 2027?
Multiply your current monthly benefit by 1.036. For example, a $2,000 check becomes $2,072 (a $72 monthly increase), and the average retired worker benefit of about $2,071 rises to roughly $2,145, an increase of about $74 a month.
When will I see the 2027 COLA increase?
Social Security retirement, survivors, and disability payments reflect the new amount starting with your January 2027 payment. SSI recipients see the increase earlier, in their December 31, 2026 payment.
How is the Social Security COLA calculated?
The SSA compares the average Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) for July, August, and September of the current year to the same three months of the prior year. The percentage increase becomes next year's COLA.
Will a rising Medicare Part B premium cancel out my raise?
It can reduce it. For most retirees, the Part B premium is deducted directly from their Social Security check before it's deposited, so if that premium rises for 2027 (CMS typically finalizes the figure in November), part of your gross COLA increase goes toward the higher premium instead of your pocket. Enter your expected premium increase above to see your net raise.
Does the COLA apply to SSI as well as retirement benefits?
Yes. The same percentage COLA applies to SSI, Social Security retirement, survivors, and SSDI benefits. SSI payments just reflect the increase about a month earlier than retirement benefits because of how SSI's payment calendar works.
Your Current Benefit
COLA Year
Optional: Net Raise After Medicare