How to use the latest COLA estimate
Because the official 2027 COLA is not final until it is announced, this calculator is built to accept any current estimate. When a new forecast appears, replace the COLA percentage and recalculate.
What this page is good for
Use it to compare scenarios such as 2.5%, 3.0%, 3.5% or 4.0%. Retirees can also add an optional Medicare premium increase to see why the deposited amount may feel smaller than the gross COLA increase.
Limitations
This is not an official SSA calculator. It does not calculate your base benefit from earnings history, claiming age, spouse benefits, survivor benefits, taxes or future law changes.
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FAQ
Is the 2027 COLA official?
No. Enter the latest estimate you want to test until the official COLA is announced.
Why include Medicare premium impact?
Some beneficiaries see their net deposit change by less than the gross COLA increase if Medicare premiums also rise.
Does this replace my Social Security statement?
No. Use your official SSA account and notices for official benefit information.