Social Security COLA Calculator
The 2027 cost-of-living adjustment (COLA) is 3.6% for Social Security and SSI. It starts with December 2026 benefits, paid in January 2027. SSI's January 2027 payment arrives at the end of December 2026. Enter your current monthly benefit to see your new amount, your monthly raise and the yearly difference.
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How it works
- 1
Enter your benefit
Type your current monthly Social Security or SSI amount.
- 2
We apply 3.6%
The confirmed 2027 COLA is added to your benefit.
- 3
See your new amount
Get your new monthly amount, the monthly raise and the yearly difference.
What you get
- Your new monthly amount with the 2027 COLA
- How much more you get each month
- How much more you get over a year
What this tool does
- • Uses the confirmed 2027 COLA of 3.6%
- • Works for Social Security and SSI
- • Shows amounts to the cent
What this tool does not do
- • Does not subtract Medicare Part B premiums
- • Does not replace your SSA COLA notice
- • Does not send your answer to any agency
How much will my Social Security go up in 2027?
Your Social Security or SSI benefit goes up 3.6% in 2027. That is $36.00 more a month for every $1,000 of benefit.
The raise starts with December 2026 Social Security benefits, which are paid in January 2027. For SSI, the first higher payment is the January 2027 payment, which arrives at the end of December 2026 because January 1 is a holiday.
Common questions
Keep going
For general information only, not legal or medical advice.
Sources: Social Security Administration: Latest cost-of-living adjustment
How the 2027 COLA is applied to your benefit
The 2027 cost-of-living adjustment is 3.6%. To apply it, multiply your current monthly benefit by 3.6% (0.036). That gives your monthly raise. Add the raise to your current benefit to get your new monthly amount.
To see the yearly difference, multiply the monthly raise by 12.
A worked example: a monthly benefit of $1,000 times 3.6% is a raise of $36.00. The new monthly amount is $1,036.00. Over a year, that is $432.00 more.
The same 3.6% applies to Social Security benefits and to SSI. Medicare Part B premiums are not subtracted here. If your premium comes out of your check, the amount deposited may be lower. Your SSA COLA notice shows your exact new amount.
When you'll see the increase
Social Security: the 3.6% COLA starts with December 2026 benefits. Those benefits are paid in January 2027, so January 2027 is the first payment that includes the raise.
SSI: the raise starts with the January 2027 payment. Because January 1 is a holiday, that payment arrives at the end of December 2026.
The 2027 COLA comes from the Social Security Administration's latest cost-of-living adjustment page. Your SSA COLA notice shows your exact new amount.
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