Social Security's 2027 COLA Is Set: Here Is How to Check Your Real Numbers for Free

What just changed

On October 26, 2026, the Social Security Administration announced a 3.6 percent cost-of-living increase, also called the COLA, for Social Security benefits.

The increase takes effect in December 2026. That means it will show up in the payments people receive starting in January 2027.

This is the yearly adjustment that helps benefits keep up with rising prices. It applies automatically. You do not need to apply for it or pay anyone to get it.

Who this affects

If you receive Social Security retirement, disability, or survivor benefits, this increase applies to you.

People who get Supplemental Security Income (SSI) are also affected, since those payment amounts change too.

The exact dollar change depends on your current benefit. A 3.6 percent increase means a larger monthly check for most people, but the amount is different for everyone. That is why the only way to know your real new number is to check your own account.

How to see your own new amount

Every year, Social Security sends a COLA notice with your new benefit amount. You can also view it online.

The best way is to log in to your free my Social Security account. Your personalized notice is usually posted there in December.

Be careful during this season. Scammers often reach out pretending to be from Social Security. The official way to check is always free, and Social Security will not ask you to pay to receive your COLA or to confirm your benefit.

Other numbers that moved

The announcement also set the national average wage index for 2025 at $72,800.33. This figure helps set other program amounts, like the maximum earnings subject to Social Security tax and the earnings limits for people who work while collecting benefits.

If you are still working and receiving benefits, these updated limits may matter to you. Your my Social Security account and the official SSA pages are the best places to see the current figures that apply to your situation.

Frequently asked questions

Do I need to apply to get the COLA increase?

No. The 3.6 percent increase is applied automatically to your benefit. You do not need to sign up or pay anyone.

When will I see the higher payment?

The increase takes effect in December 2026, so it shows up in payments received starting in January 2027.

How do I find out my exact new amount?

Log in to your free my Social Security account at ssa.gov. Your personalized COLA notice is usually posted in December.

Does this also affect SSI?

Yes. Supplemental Security Income payment amounts change with the cost-of-living increase too. Check ssa.gov for the updated figures.