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Is your Social Security check going up in 2027? See the latest COLA estimates

Fresh inflation data has pushed leading projections for the 2027 Social Security cost-of-living adjustment into the mid-3 percent range. AARP estimates the 2027 COLA at 3.6 percent, which could raise average monthly checks by roughly $71 to $75. While higher benefits provide additional income for retirees and Supplemental Security Income recipients, analysts note that the increases are driven by persistent inflation. Beneficiaries must wait until October for the official announcement from the Social Security Administration regarding the exact adjustment figure.

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  • ✓ AARP projects the 2027 Social Security cost-of-living adjustment at 3.6 percent.
  • ✓ Leading 2027 COLA estimates have moved into the mid-3 percent range following recent inflation data.
  • ✓ Beneficiaries will have to wait until October for the official COLA figure.
🛡️ Source Corroboration: 12 independent reporting domains (90% confidence) ⏱ Read time: ~2 min

What changed

Fresh consumer inflation data pushed leading 2027 cost-of-living adjustment estimates into the mid-3 percent range.

Live updates

  1. Latest 2027 Social Security COLA Projections Range Around 3.6 Percent

    Fresh inflation data has pushed leading projections for the 2027 Social Security cost-of-living adjustment into the mid-3 percent range. AARP estimates the 2027 COLA at 3.6 percent, which could raise average monthly checks by roughly $71 to $75. While higher benefits provide additional income for retirees and Supplemental Security Income recipients, analysts note that the increases are driven by persistent inflation. Beneficiaries must wait until October for the official announcement from the Social Security Administration regarding the exact adjustment figure.

    Why it matters

    The annual cost-of-living adjustment determines how much benefits will rise to match consumer price inflation. Projections shift throughout the year as monthly consumer price indexes are released by the federal government. Higher adjustments often signal that everyday goods and services have grown more expensive, creating a mixed financial outlook for fixed-income seniors.

    What is confirmed

    • AARP projects the 2027 Social Security cost-of-living adjustment at 3.6 percent.
    • Leading 2027 COLA estimates have moved into the mid-3 percent range following recent inflation data.
    • Beneficiaries will have to wait until October for the official COLA figure.

    Still unconfirmed

    • AARP estimates checks could increase by $75 a month in 2027.
    • MarketWatch projects the COLA could go up another $71 per month in 2027.
    • The 2027 COLA is described as Trump bump-driven or Trump bump-powered.

    What to watch next

    • The official Social Security Administration COLA announcement in October
    • Subsequent monthly U.S. inflation reports leading up to the final adjustment calculation
    Sources used for this update (13)
    1. CBS News — Here's the projected Social Security COLA for 2027, according to AARP
    2. nytimes.com — AARP Projects 2027 Social Security COLA at 3.6%
    3. Newsweek — Social Security COLA Update: What Today’s Inflation Report Means for Seniors
    4. Yahoo Finance — Social Security COLA estimate: How much your benefits could rise in 2027
    5. The Motley Fool — Social Security's Trump Bump-Driven 2027 COLA Is Set to Do Something That Hasn't Been Witnessed in 30 Years
    6. AL.com — A new Social Security COLA prediction is out and it’s more bad news for retirees
    7. 10TV — AARP estimates Social Security checks could increase by $75 a month in 2027. Here's why.
    8. NewsNation — Is your Social Security check going up in 2027? See the latest COLA estimates
    9. Yahoo Finance — Social Security's Trump Bump-Powered 2027 COLA Should Yield a Rare Silver Lining and a Dark Cloud
    10. Disability Scoop — SSI, Social Security Benefits Expected To Rise
    11. MarketWatch — Your Social Security COLA could go up another $71 per month in 2027. That’s not necessarily good news.
    12. www.marca.com — Social Security COLA Increase 2027: What is the latest projection with August's U.S. inflation?
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