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. Test different inflation scenarios and Medicare Part B offsets instantly.
Your Current Benefit & COLA Rate
Average 2026 retired worker benefit is ~$1,920/mo
Standard Medicare Part B premium is deducted directly from benefits.
Check exactly what date your next monthly payment will be deposited into your bank account.
Open Payment Date CheckerEstimated 2027 Benefit Increase
Up from $1,920/mo (+$48)
Total extra cash added across the calendar year
Side-by-Side Comparison Breakdown
| Period | Current Amount | With +2.5% COLA | Net Increase |
|---|---|---|---|
| Per Month | $1,920 | $1,968 | +$48 |
| Per Year (12 mo) | $23,040 | $23,616 | +$576 |
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:
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.