2027 Social Security COLA Calculator: Estimate Your Raise
See how much your Social Security check could rise in 2027, then see how much of that raise remains after Medicare Part B. Pick a forecast scenario or type your own percent.
Results are estimates, not an official SSA payment. The official 2027 COLA is expected to be announced October 14, 2026. The 2027 Part B premium is a projection until CMS publishes it.
Quick answer
The 2027 Social Security cost-of-living adjustment (COLA) is expected to land between about 3.4 and 3.6 percent, based on forecasts published in September 2026 by AARP, The Senior Citizens League and the Committee for a Responsible Federal Budget. On the $2,085.98 average retired-worker benefit, a 3.5 percent COLA is about $73 more per month before Medicare. The official COLA is expected to be announced on October 14, 2026, after the September CPI report, which BLS schedules for 8:30 a.m. Eastern that day. The exact time of the SSA announcement is not confirmed.
2027 Social Security COLA calculator: estimate your raise
Enter your current gross monthly benefit, before Medicare deductions. Results update as you type. Nothing you enter is saved or sent anywhere.
Enter your benefit to see your estimate.
Estimate, not an official SSA payment. SSA applies its own rounding, and your actual Medicare deduction can differ.
How much will Social Security increase in 2027?
The raise equals your current benefit multiplied by the COLA percent. This is an illustration using a 3.5% scenario and the July 2026 average retired-worker benefit of $2,085.98. It is not a confirmed payment. The actual COLA depends on the full third-quarter CPI-W average and the official SSA calculation.
| Step | Result |
|---|---|
| Current gross monthly benefit | $2,085.98 |
| Scenario COLA (illustration only) | 3.5% |
| Estimated monthly raise | $73.01 |
| Estimated new gross monthly benefit | $2,158.99 before SSA-specific rounding |
| Projected Part B increase | $6.60 per month |
| Estimated change after the standard Part B change (simplified) | $66.41 per month |
The $2,085.98 figure is the average for retired workers only. The average across all beneficiaries is lower, at $1,940.08. Both come from the SSA July 2026 statistical snapshot. Enter your own benefit for a useful result.
Latest 2027 COLA forecasts
These forecasts were published in September 2026 using inflation data available before the September CPI release. They are unofficial estimates and may change when the September data is published.
| Forecaster | Estimate | Date | Source |
|---|---|---|---|
| AARP | 3.6% | September 11, 2026 | AARP COLA 2027 forecast |
| The Senior Citizens League | 3.5% | September 11, 2026 | TSCL press release |
| Committee for a Responsible Federal Budget | 3.4% | Reported September 21, 2026 | Fox Business report |
How the 2027 Social Security COLA calculator works
Gross raise
The official COLA is based on the average CPI-W for July, August and September compared with the same months a year earlier. The 2026 COLA was 2.8 percent. SSA applies its own rounding, so your exact figure can differ from this simple percentage.
Change after Part B
This simplified comparison does not apply the hold-harmless rule, income-related surcharges or other deductions. The 2027 premium of $209.50 is a projection from the 2026 Medicare Trustees Report, compared with the confirmed 2026 premium of $202.90. CMS usually announces the official 2027 premium in November. You can edit both premium boxes at any time.
Will the Part B premium reduce my 2027 COLA?
For many people, partly. Most beneficiaries pay Part B through a deduction from their Social Security check, so a higher premium absorbs some of the raise. A hold-harmless rule stops a premium increase from lowering your check below last year’s amount for many eligible people, but it does not cover everyone. People new to Medicare or to Social Security payments are among the groups outside it.
Why your actual payment can differ from this estimate
SSA applies the COLA under its own benefit-calculation and rounding rules. Your Medicare deduction can also change if you pay an income-related surcharge (IRMAA), if you are new to Medicare, or if the hold-harmless rule applies to you. Other deductions, such as taxes withheld or a Medicare Advantage or Part D premium, are not included here.
Medicare Open Enrollment runs October 15 to December 7, 2026
Changes made during open enrollment generally take effect January 1, 2027. Review your plan’s Annual Notice of Change, check your drugs and doctors against next year’s plan, and compare options in the official Medicare Plan Finder.
2027 Social Security COLA calculator: FAQ
When is the 2027 COLA announced?
What COLA does this calculator assume?
When will I see the higher payment?
Does the COLA apply to SSI?
Is this my exact 2027 payment?
How this page is built
The calculator makes these assumptions, so treat every result as an estimate:
- The raise is your entered benefit multiplied by the COLA percent you select or type.
- The Part B comparison subtracts the premium change from the raise and ignores individual protections and other deductions.
- The 12-month figure is the monthly raise multiplied by 12.
Sources: SSA cost-of-living adjustment information (the authority for the official COLA), the BLS CPI release schedule, and the SSA statistical snapshot for July 2026 average benefits. Forecasts are in the dated table above and are not official.
Medicare: the $202.90 figure is the confirmed 2026 standard Part B premium set by CMS. The $209.50 figure for 2027 is a projection from the 2026 Medicare Trustees Report, summarized by AARP. CMS usually confirms the official 2027 premium in November. Figures last checked October 11, 2026. Built and checked by R.K., Creator and Business Economics Analyst.