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What Will My Social Security Check Be in 2027?
Worked examples at 3.5%
| Your check today | Estimated 2027 check | Monthly increase |
|---|---|---|
| $1,200 | $1,242 | +$42 |
| $1,500 | $1,552 | +$52 |
| $2,000 | $2,070 | +$70 |
| $2,500 | $2,587 | +$87 |
| $3,000 | $3,105 | +$105 |
| $3,500 | $3,622 | +$122 |
Amounts are rounded the way SSA rounds — down to the nearest dollar after the deduction math. If the official COLA lands at 3.6% instead, add roughly one extra dollar per $1,000 of benefit.
Two things that can change your final number
- The Medicare Part B premium. For most retirees it is deducted straight from the check, and the 2027 premium is announced separately in the fall. A $10 premium increase quietly takes $10 off the raise you just calculated.
- Tax withholding. If you have federal tax withheld from your benefit, a higher gross check can slightly change the withheld amount too.
When the money actually arrives
| Your birthday falls on | Your January 2027 payment day |
|---|---|
| 1st – 10th | Second Wednesday — January 13, 2027 |
| 11th – 20th | Third Wednesday — January 20, 2027 |
| 21st – 31st | Fourth Wednesday — January 27, 2027 |
Two exceptions: people receiving SSI get the increase with the payment dated December 31, 2026, and people who started benefits before May 1997 are generally paid on the 3rd of the month.
Check the math against your official notice
In December, SSA posts your exact 2027 amount in your my Social Security account and mails a COLA notice. If the number there differs a lot from your own calculation, the difference is almost always the Medicare premium — not an error.
The CheckDay calculator switches to the official COLA the morning it is announced — and beta members get their number by email the same day.
Join the free beta →