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Social Security COLA 2027 Calculator

Enter your current monthly benefit to see what it becomes in January 2027 and what reaches your bank after Medicare.

Monthly benefit now, before Medicare ($)

Medicare Part B premium for 2027 ($)

The 2027 premium is announced in November; 2026's was $202.90.COLA (%)

Monthly benefit in 2027

$2,072.00

$72.00 more a month

Payment after Part B: $1,869
Rise over the year: $864
Taxable maximum 2027: $192,300
Earnings limit (under FRA): $25,560

SSA announced a 3.6% cost-of-living adjustment on 14 October 2026, paid from the January 2027 payment (SSI from 31 December 2026). The SSI federal payment rises to $1,029 a month for one person and $1,544 for a couple.

What you entered

Benefit now: $2,000.00COLA: 3.6%Part B: $202.90

1
Benefit after the 3.6% raise, rounded down to the dime as SSA does
$2,000.00 × (1 + 3.6%)= $2,072.00
2
Rise a month
$2,072.00 − $2,000.00= $72.00
3
Payment after the Medicare Part B premium, rounded down to the dollar
$2,072.00 − $202.90= $1,869
4
Rise over 2027
$72.00 × 12= $864.00

Result

2027 benefit: $2,072.00

SSA raises your primary insurance amount and rounds down at each step, so your letter may differ from this by a few cents. If the Part B premium rises by more than your COLA, the hold-harmless rule usually stops your payment from falling.

Social Security benefits after the 3.6% COLA for 2027

Monthly benefits before Medicare, raised 3.6% and rounded down to the dime, and the payment after the Part B premium at its 2026 level of $202.90.

Benefit now	2027 benefit	Rise a month	After Part B at the 2026 premium
$1,000	$1,036.00	$36.00	$833
$1,500	$1,554.00	$54.00	$1,351
$2,000	$2,072.00	$72.00	$1,869
$2,500	$2,590.00	$90.00	$2,387
$3,000	$3,108.00	$108.00	$2,905
$4,000	$4,144.00	$144.00	$3,941

The 2027 Part B premium is announced in November, so the last column will change. Payments are rounded down to the dollar.

The 3.6% raise for 2027

SSA announced on 14 October 2026 that Social Security and SSI payments rise 3.6% for 2027, based on the rise in the CPI-W from the third quarter of 2025 to the third quarter of 2026. It is the largest increase since 2023's 8.7%, after 2.8% for 2026. Social Security payments rise from January 2027, and SSI from the payment on 31 December 2026. A $2,000 monthly benefit becomes $2,072.

Why the check rises by less

If Medicare Part B is taken from your benefit, the premium comes off the raised amount. The 2027 Part B premium is announced in November; it was $202.90 for 2026. SSA rounds benefits down to the dime and the payment down to the dollar. Other 2027 figures: the taxable maximum is $192,300, the earnings limit before full retirement age $25,560 ($67,920 in the year you reach it), and the SSI payment $1,029 a month for one person and $1,544 for a couple.

Frequently asked questions

How much is the Social Security COLA for 2027?

3.6%, announced by SSA on 14 October 2026. It applies from the January 2027 payment for Social Security and from 31 December 2026 for SSI. SSA estimates the average retirement benefit rises by about $75 a month.

How much will my Social Security check be in 2027?

Multiply your current benefit by 1.036. $1,500 becomes $1,554, $2,000 becomes $2,072 and $3,000 becomes $3,108 before Medicare. If Part B is deducted, take off the 2027 premium, which is announced in November.

When will I see the new amount?

In your first payment in January 2027, which pays for December 2026. SSA mails COLA notices in December and posts them earlier in my Social Security accounts set up for online notices.