$2,000 benefit with a 3.4% COLA
- Monthly gross increase
- $68
- New gross monthly benefit
- $2,068
Free · private · no login
2027 Social Security COLA Calculator
Estimate your monthly raise and annual increase with the 2027 COLA estimate, or compare your own percentage. Free to use, with no account needed.
Official-source data · Social Security Administration · U.S. Bureau of Labor StatisticsView sources
Loading calculator…
See the math
Worked examples
These examples use the same calculation as the tool above. The percentages are illustrative scenarios, not official 2027 adjustments.
$1,500 benefit with a 2.8% COLA
- Monthly gross increase
- $42
- New gross monthly benefit
- $1,542
Read how Social Security COLA is calculatedReview the 2027 COLA estimate and update timelineCompare Social Security COLA rates by year
How this estimate works
For a quick planning estimate, the calculator multiplies your current gross monthly benefit by the COLA percentage, then adds that increase to your current benefit. It also multiplies the monthly results by 12 for annual figures.
Why SSA's exact number may differ
SSA applies COLA within its statutory benefit formula and uses specific truncation and rounding steps. Claiming-age adjustments, family benefits, withholding, and Medicare can also affect your final payment.
Planning details
Common questions
Is the 2027 COLA estimate official?
The calculator's 2027 preset is a conditional estimate, not an official SSA adjustment. Using the official July and August 2026 CPI-W readings, and assuming September stays at August's level, the 2027 COLA would be 3.4%.
Estimate inputs July 2026 Consumer Price Index + August 2026 Consumer Price Index + Social Security Administration · as of 2026-09-26Check the estimate, source dates, and announcement timelineCan I use an official rate or another percentage?
Yes. Select Custom percentage and enter a published rate or a percentage you want to explore. Your entry is treated as a planning scenario; the calculator does not verify it as official. For a past year, use the gross benefit before that year's adjustment to avoid applying the increase twice.
Look up historical COLA ratesIs this my bank deposit?
No. The estimate starts with your gross Social Security benefit. Your bank deposit can differ after Medicare premiums, tax withholding, or other deductions.
Why could SSA's amount differ?
SSA applies the statutory COLA calculation and its required rounding steps to the underlying benefit, so the official result can differ from this planning estimate.
When should I include Medicare?
If Part B is deducted from your benefit, use the linked tool to compare the gross increase with a premium change.
Estimate your COLA after Medicare Part BTransparency
Sources behind these numbers
Every important figure links back to the government publication that produced it.