2027 Social Security COLA: When & How It's Calculated

Sat, 26 Sep 2026 00:00:00 +0000

If you get a Social Security check, or you’re helping a parent manage one, there’s a number worth circling on your calendar right now: October 14, 2026. That’s when the Social Security Administration is expected to announce the official cost of living adjustment for 2027 the raise that shows up in your check starting in January.

Here’s what we know about the estimate so far, how the number actually gets calculated, and why it matters well beyond the headline percentage.

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2027 Social Security COLA: When & How It's Calculated