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Social Security COLA Calculator: 2027 Raise After Medicare

See your 2027 Social Security benefit after the 3.6% COLA and what your monthly deposit becomes once the Medicare Part B premium is taken out.

Tool inputs stay in your browser · optional AI search sends your query

Good to know: Scope: an estimate of your 2027 monthly Social Security retirement, survivor or disability benefit after the 3.6% cost-of-living adjustment (COLA) that SSA announced for 2027, and of your monthly payment after the Medicare Part B premium (and any Part D premium) is taken out, in US dollars. It follows SSA’s rounding: the COLA result is cut down to the next lower dime, the Part B premium is subtracted and the result is cut down to the next lower dollar, then a Part D premium is subtracted. SSA applies the COLA to your primary insurance amount (PIA), not to your check, so the real amount can differ slightly. Not included: SSI payments (they follow different rules), federal tax withholding, garnishments or other offsets, the earnings test, IRMAA surcharges (see the Medicare IRMAA calculator), the hold-harmless rule, Medicare Advantage premiums or give-backs, and state supplements. The 2027 Part B premium had not been announced by CMS when this tool was checked, so the 2026 standard $202.90 is the default; replace it with your own. This is not an SSA decision; your COLA notice shows your actual amounts. Everything stays in this browser tab; nothing is sent or saved. Independent ToolsKo estimate. Sources reviewed November 12, 2026.

How to use it (step by step)

  1. 1Type your 2026 monthly Social Security benefit before anything is taken out. It is on your 2026 COLA notice or in my Social Security.
  2. 2Leave the COLA at 3.6% (the 2027 figure from SSA). Enter the Part B premium taken out in 2026 and the one for 2027 (use 0 if Medicare is not taken out of your check). Add a Part D premium only if SSA withholds it.
  3. 3Read your estimated 2027 benefit and your new monthly deposit. Check them against the COLA notice SSA posts online in late November.

Words to know

COLA (cost-of-living adjustment)
A yearly raise in Social Security and SSI payments so they keep up with prices. SSA bases it on the CPI-W, a price index from the Bureau of Labor Statistics.
Medicare Part B premium
The monthly cost of Medicare medical insurance (doctor visits, outpatient care). When you get Social Security, SSA can subtract it from your monthly payment.
Benefit before deductions
Your full monthly Social Security amount before Medicare premiums or tax withholding are taken out. Your deposit is smaller than this.
PIA (primary insurance amount)
Your benefit at full retirement age. SSA applies the COLA to this number and then adjusts it if you started early or late.

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Sources & methods

References checked November 11, 2026. Read each tool’s scope and assumptions before relying on its result.

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