2027 Social Security COLA Calculator
Estimate how much your monthly Social Security, SSI, or SSDI check will increase with the upcoming Cost-of-Living Adjustment. Compare expert-backed scenarios and see your true net deposit after Medicare Part B.
Q3 Inflation & Tracking Update: Social Security COLA adjustments are determined by July, August, and September CPI-W inflation figures. Use this tool to model how projected 2.5% – 3.2% adjustments will impact your monthly deposit check.
Your Current Benefit & COLA Rate
Average 2026 retired worker benefit is $2024.77/mo
Net deposit reflects the Part B increase from $202.90/mo to $213.05/mo.
Check exactly what date your next monthly payment will be deposited into your bank account.
Open Payment Date CheckerEstimated 2027 Benefit Increase
Up from $2,024.77/mo (+$65)
Total extra gross cash added across the calendar year
Amounts rounded to nearest dollar per SSA benefit rounding rules.
Side-by-Side Comparison Breakdown
| Period | Current Amount | With +3.2% COLA | Gross Increase |
|---|---|---|---|
| Per Month | $2,024.77 | $2,090 | +$65 |
| Per Year (12 mo) | $24,297 | $25,080 | +$783 |
| Net Deposit | $1,822 | $1,877 | +$55 |
Your Estimated 2027 Benefit Under 3 Scenarios
Click a scenario to load it into the calculator above. All three update instantly when you change your benefit amount.
*Medicare Part B premium: $202.90/mo (2026 actual) → $213.05/mo (2027 projected). Amounts rounded per SSA official rounding rules.
How the 2027 Social Security COLA is Determined
The Social Security Administration calculates the annual Cost-of-Living Adjustment based on the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W), published by the Bureau of Labor Statistics (BLS).
The average CPI-W for the third quarter (July, August, September) of the current year is compared to the third-quarter average of the previous benchmark year. The percentage increase becomes the COLA effective for January checks.
Recent Historical COLA Rates:
For the full 2027 adjustment pillar (projected Trustees COLA, SSI, earnings-test watch list, and proposals vs official changes), see Social Security Administration 2027 Adjustment.
Official Primary Data Sources
Verified against federal statutes, agency publication manuals, and Federal Reserve rules.
Official annual disbursement schedule detailing 2nd, 3rd, and 4th Wednesday delivery dates.
Federal statutory regulation governing staggered Wednesday payments based on beneficiary birth dates.
Standard banking holidays (Title 5 U.S.C. 6103) governing prior-business-day deposit shifts.
Consumer Price Index for Urban Wage Earners used for statutory COLA calculations under 42 U.S.C. § 415.