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Updated September 26, 2026
Gross raise → actual deposit

How Much of Your COLA Will You Actually Keep?

Estimate your Social Security increase after the Medicare Part B premium.

Official-source data · SSA · BLS · CMS TrusteesView sources

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Gross to net

Worked example

A $2,000.00 gross benefit with a 3.4% COLA produces a $68.00 gross monthly increase.

Gross vs. net

The headline COLA is your gross increase

For many beneficiaries, Medicare Part B is deducted directly from Social Security. The calculator compares today's gross check and Part B premium with the projected next-year amounts, then shows the difference in what reaches the bank.

Hold-harmless protection can cap the premium increase for eligible beneficiaries.

Official evidence Centers for Medicare & Medicaid Services + How the Hold-Harmless Provision Protects Your Benefits + POMS HI 01001.004: Variable Part B Premium · as of 2026-06-09
2027 premium

$209.50 is an estimate

The 2026 Medicare Trustees Report gives $209.50 as an intermediate estimate for the 2027 standard Part B premium. CMS has not finalized the 2027 premium.

Estimate inputs Centers for Medicare & Medicaid Services · as of 2026-06-09
Before you compare

Common questions

What if my premium is different?

This worked example uses the $202.90 standard 2026 Part B premium. If your official notice shows different amounts, enter those amounts instead.

Official evidence Centers for Medicare & Medicaid Services · as of 2026-01-01