Social Security COLA Calculator (2027)
See your new Social Security check after the 3.6% cost-of-living adjustment for 2027. Enter your current monthly benefit to get your new amount, your monthly and yearly raise and your net check after the Medicare Part B premium.
Social Security rounds benefits down to the dime. Estimates exclude tax withholding and Part D or other deductions.
How the 2027 COLA is applied
The Social Security Administration raises your benefit by the COLA percentage and rounds the result down to the nearest 10 cents:
Example: the average retired worker gets $2,071 a month in 2026. With a 3.6% COLA, that becomes $2,145.50 a month in 2027, a raise of $74.50 a month or about $894 a year. For the full story on this year’s increase, read our guide to the Social Security COLA for 2027.
2027 COLA by benefit amount
| 2026 monthly benefit | 2027 benefit | Raise per month | Raise per year |
|---|---|---|---|
| $1,000.00 | $1,036.00 | +$36.00 | +$432 |
| $1,500.00 | $1,554.00 | +$54.00 | +$648 |
| $2,071.00 | $2,145.50 | +$74.50 | +$894 |
| $2,500.00 | $2,590.00 | +$90.00 | +$1,080 |
| $3,000.00 | $3,108.00 | +$108.00 | +$1,296 |
| $4,152.00 | $4,301.40 | +$149.40 | +$1,793 |
$4,152 is the maximum benefit for someone retiring at full retirement age in 2026.
Medicare Part B and your net raise
Most people on Medicare have the Part B premium taken straight out of their Social Security check. The standard premium is $202.90 a month in 2026. The 2027 Part B premium had not been announced at the time of writing, so the calculator starts with the 2026 amount. Change it once the new premium is published.
If the premium rises, part of your COLA covers the increase, so your net check grows by less than the gross raise. A hold harmless rule protects most beneficiaries: a Part B increase cannot make their net Social Security payment smaller than the year before. It does not apply to people paying income-related Medicare surcharges (IRMAA), those new to Medicare, or people whose premiums are paid by their state.
Recent Social Security COLAs
| Year benefits rose | COLA |
|---|---|
| 2022 | 5.9% |
| 2023 | 8.7% |
| 2024 | 3.2% |
| 2025 | 2.5% |
| 2026 | 2.8% |
| 2027 | 3.6% |
Together, the COLAs from 2022 through 2027 add up to about 30%. A benefit of $1,500 at the end of 2021 would be about $1,945 a month in 2027.
To see how Social Security fits with your savings, try the retirement calculator. If you take required minimum distributions, check this year’s amount with the RMD calculator.
Frequently asked questions
How do I calculate my 2027 Social Security COLA?
Multiply your current monthly benefit by 1.036. For example, a $2,000 benefit becomes about $2,072.00 with the 3.6% COLA for 2027. Social Security rounds the result down to the nearest dime.
Will Medicare take part of my COLA?
If your Medicare Part B premium is deducted from your Social Security check and the premium rises, part of your COLA goes to the higher premium. The calculator shows your net check after the Part B deduction for both years.
Can my Social Security check go down in 2027?
For most people, no. A hold harmless rule stops a Part B premium increase from lowering your net Social Security payment from one year to the next. It does not apply to people who pay income-related Medicare surcharges or who are new to Medicare or Social Security.
Does the COLA apply to SSI and disability benefits?
Yes. The 3.6% COLA applies to retirement, survivor and disability (SSDI) benefits, and to Supplemental Security Income (SSI) payments.
When will I see the higher amount?
Social Security beneficiaries see the COLA in payments made in January 2027. SSI recipients get it in the payment dated December 31, 2026.
This calculator gives estimates for information only. Your actual 2027 benefit, Medicare deductions and payment dates are shown in your COLA notice and your my Social Security account. COLA figures are from the Social Security Administration.