MundoKit

Social Security COLA Calculator: 2027 and 2026

Choose 2026 → 2027 or 2025 → 2026, then enter the starting gross benefit and deductions to estimate the monthly change.

Last checked 2026-11-14. Rules change, sometimes at short notice. We list the date we last checked each official source; confirm with the official government source before you travel, buy or file. This is general information, not legal or immigration advice.

This is a general estimate for information only, not tax, legal or financial advice. Real rules have more conditions than a calculator can show, so check the official source below or a qualified professional for your situation.

How it works

SSA announced a 3.6% COLA for 2027 and a 2.8% COLA for 2026. Multiply the starting gross benefit by 1.036 or 1.028, then subtract target-year deductions. Compare with starting gross less starting-year deductions.

new gross = old gross × (1 + COLA rate) net change = (new gross − new deductions) − (old gross − old deductions)

Choose no deductions, custom deductions or the historical standard Part B preset ($185 in 2025 and $202.90 in 2026). No final 2027 Part B premium was verified, so the preset is unavailable for 2027. IRMAA, penalties, hold-harmless treatment and other deductions require personal figures. Switching years updates labels but preserves entered personal amounts; check them for the selected years.

The twelve-month change assumes identical payments. This proportional estimate does not reproduce SSA benefit calculations, award rounding or SSI standards. Your SSA notice controls. No intermediate rounding; display money to two decimals.

Worked examples

2027 COLA on $2,000

With no deductions, $2,000 × 1.036 = $2,072, up $72 monthly or $864 over twelve identical months.

2027 COLA on $1,500

With no deductions, $1,500 × 1.036 = $1,554, up $54 monthly or $648 over twelve identical months.

2026 COLA with standard Part B only

$2,000 becomes $2,056 gross. Subtract $185 in 2025 and $202.90 in 2026: net rises from $1,815 to $1,853.10, a $38.10 monthly change.

Frequently asked questions

Should I enter my bank deposit?
Use the starting-year gross benefit before Medicare and other deductions, not the bank deposit.
Why is my net increase smaller than the COLA?
Higher deductions can absorb part of the gross increase. Enter both years of personal deductions using custom mode.
Does this calculate my exact SSA award?
No. SSA benefit computation and rounding can differ from this proportional estimate.
Does this include the next COLA?
Yes. It defaults to the announced 3.6% for 2027 and retains the 2.8% adjustment for 2026. Do not apply an adjustment twice.
Can I use standard Part B premiums?
The historical preset covers 2025 → 2026 only. For 2027 use personal deduction figures; no unverified premium projection is supplied.

Sources

Last reviewed 2026-11-14; next review due by 2027-01-15. The method is written out above so you can check our math.