Social Security · January 2027
What will your January 2027 check be?
Your raise, minus the new Medicare premium, and the day it lands in your account, worked out the way SSA does it. Free, private and independent.
Preview your January 2027 deposit
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An estimate, not your official amount. It uses the official COLA, a $209.50 Part B premium (projection) and SSA's rounding and hold-harmless rules. Your official amount will be on the notice SSA sends in December. How we calculate
Three things decide your January deposit
- The COLA. Your benefit before deductions goes up by the cost-of-living adjustment, then SSA rounds it down to the whole dollar. The 2027 COLA is 3.6% Official. More on the COLA.
- The Medicare Part B premium. Most people have it taken out of their check. It is $202.90 a month in 2026, and the Medicare trustees project $209.50 for 2027. More on Part B.
- The rules that protect or cost you. The hold-harmless rule stops a premium increase from shrinking most people’s deposit. People with higher incomes pay income-related amounts and aren’t protected.
| December 2026 | January 2027 | |
|---|---|---|
| Benefit before deductions | $2,071.00 | $2,145.00 |
| Part B premium taken out | −$202.90 | −$209.50 |
| Deposit | $1,868.10 | $1,935.50 |
The $2,071 figure is SSA’s estimate of the average retired-worker benefit for January 2026. Your own numbers will differ; the calculator above uses yours.
Where your official amount comes from
This site gives you a close preview. Your official 2027 amount comes from the Social Security Administration in a COLA notice. Last year SSA posted notices in my Social Security accounts in late November and mailed paper notices in early December (SSA). How to read your notice.
Figures last checked against official sources: