Social Security made simple for retirees
Plain-English updates on your Social Security check, the 2027 COLA, Medicare costs and the bills in Congress, plus a free calculator so you can see what your raise really means for you.
Free 2027 Social Security Net Raise Calculator
See your 2027 COLA raise after the projected Medicare Part B increase, and your usual deposit week. No login, nothing saved. Open the full calculator page.
1. Your numbers
Your 2026 monthly benefit before Medicare deductions.
Default 3.6%, the official 2027 COLA announced by SSA on Oct 14, 2026. Source: SSA press release, Oct 14, 2026
PROJECTED, not final. Default $6.60 is the 2026 Medicare Trustees Report projection (2027 premium $209.50, up from $202.90 in 2026). CMS has not announced the official 2027 premium yet. Trustees Report · CMS 2026 premium
Used only to show your usual Wednesday deposit week.
2. Your 2027 estimate
Gross monthly increase$0.00
New gross monthly check$0.00
Medicare Part B deduction (increase)$0.00
Real net cash increase$0.00
New net take-home ≈$0.00
Estimated yearly net cash gain$0.00
Typical deposit schedule
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Enter your current monthly check to see your estimated raise.
The Part B increase you entered is larger than your COLA raise, so your net cash change would be negative. Update the Part B figure when CMS publishes the official 2027 premium.
Estimates only. Not affiliated with SSA or CMS. IRMAA, dual entitlement and other withholdings can change your take-home.
Quick facts for 2027
3.6%
2027 Social Security COLA (cost-of-living raise), starting with January 2027 benefits
Source: SSA press release, Oct 14, 2026$2,170
Estimated average monthly benefit for all retired workers in January 2027, after the 3.6% COLA (was $2,095)
Source: SSA 2027 COLA Fact Sheet$209.50 Projected
2027 Medicare Part B standard monthly premium. This is a projection; CMS has not announced the official amount yet (2026 premium: $202.90)
Source: 2026 Medicare Trustees Report (projection)$25,560
2027 earnings limit if you are under full retirement age all year ($1 withheld for every $2 above it)
Source: SSA 2027 COLA Fact SheetLatest videos
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Bills to watch in Congress
Two bills would base your COLA on whichever inflation index is higher, CPI-W or CPI-E (the index for older Americans). Both are still in committee.
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