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The increase in the Social Security COLA 2027 is now established at 3.6%, the biggest COLA of 2027 for Social Security after 2023. This increase in monthly Social Security payments is experienced by over 72 million people beginning in January 2027. It is projected that there will be an increase of about $75 per month on the average Social Security payment in 2027, resulting in $900 per year.
Quick Facts: 2027 COLA at a Glance
| Detail | Info |
| COLA Increase Percentage | 3.6% |
| Average Monthly Increase | ~$75 for retired workers |
| Annual Benefit Increase | ~$900 (average) |
| SSI First Payment Date | December 31, 2026 |
| The date your Social Security benefits begin. | January 2027 |
| Medicare Part B Premium Rise | $202.90 → 209.50 (+$6.60/month) |
| Finally, those who must pay for Medicare coverage find some relief. | ~$68/month for average retiree |
How to Calculate Your Social Security COLA 2027 Increase
The formula used to calculate the Social Security COLA is easy to understand. Calculate the increase by multiplying the current monthly payment by 3.6%:
The monthly increase= Your current monthly benefit x 0.036
| Current Monthly Benefit | Estimated Monthly Increase | New Monthly Amount |
| $1,000 | +$36 | $1,036 |
| $1,500 | +$54 | $1,554 |
| $2,000 | +$72 | $2,072 |
| $2,500 | +$90 | $2,590 |
| $3,000 | +$108 | $3,108 |
Get your own Social Security benefit estimate for 2027 with your current benefit from your statement of benefits from SSA or your My Social Security account.
What’s Driving the 2027 COLA Increase?
Social Security cost-of-living adjustment for 2027 is done on the basis of the Consumer Price Index for Urban Wage Earners and Clerical Workers, which is an average of the CPI for the months of July through September. The 2027 COLA figure was the highest in four years because of higher prices of energy and food.
An enduring complaint: The CPI-W measures spending by the working-age population, not costs among seniors. Areas such as health care and housing, where Social Security income for seniors is disproportionately used, see greater increases. Before healthcare is even calculated, the cost-of-living increase for Social Security can be eaten up by gas and groceries.
Does the COLA Affect SSI and Disability Benefits Too?
Yes. The next SSI COLA increase in 2027 will be the same at 3.6%. The payment of Supplemental Security Income will increase on December 31, 2026, and it will be one day earlier since January 1 of that year is a federal holiday. The increase in Social Security disability benefits applies to SSDI recipients at the same rate as it does for the increase in disability benefits.
Medicare Part B and Your Net COLA Gain
There’s a direct interaction between Medicare Part B premiums and COLA 2027. Standard premium increases from $202.90 to $209.50, or a $6.60 increase per month, after you get your Social Security payment increase in January 2027. The average Social Security benefit for a retired person who had the Medicare premium deducted is $68 more per month.
Key Dates: When Do Payments Change?
- Dec. 31, 2026 — First increased SSI payment
- January 2027 — Social Security payment changes 2027 begin for all other recipients
- Late November — COLA notices available online via my Social Security account
- Nov. 18 — Deadline to enroll in paperless notices
No action needed. People are eligible for Social Security COLA automatically if they are already on the benefit rolls.
FAQs: Social Security COLA 2027
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