Social Security COLA Calculator
Project your future Social Security benefit with cost-of-living adjustments compounding each year.
Runs 100% in your browser — your benefit numbers never leave this pageTry: Current monthly benefit=2000, Years ahead=10, Assumed annual COLA=3 → $2,687.83, +34%, $32,253.99
How to use
Enter your current monthly benefit, how many years ahead, and an assumed COLA rate (the 2026 COLA was 2.8%; a 2-3% long-run assumption is common). Press Calculate to project the amount.
Background: how COLA works.
FAQ
What was the latest Social Security COLA?
The 2026 COLA was 2.8%. COLAs are announced each October and apply the following January.
Does COLA apply before I claim?
Yes — benefits grow with COLAs even before you start receiving them, which is one advantage of delaying.
Is COLA guaranteed every year?
No. In years with no inflation, there can be no COLA (last happened in 2010-2011 and 2016).
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