Here's How Much the 3.6% 2027 Social Security COLA Will Add to the Average Retirement and Spousal Benefits

In a few weeks, Social Security beneficiaries will receive a 3.6% cost-of-living adjustment (COLA) as part of their benefits. This above-average increase aims to help alleviate the burden of the high inflation seniors have faced throughout the year. However, the exact amount of the adjustment each beneficiary receives depends on their current benefit size.

For an average retirement beneficiary, who currently receives about $2,089 per month or over $25,000 annually, the 3.6% COLA will add roughly $75 to their monthly check, bringing it to about $2,164 per month. This increase will raise the average annual benefit to just under $26,000.

Spousal benefits, on the other hand, are generally lower. As of September 2026, the average spousal beneficiary received $987 per month. The typical spousal beneficiary will see a smaller increase, with only about $35 more per month next year. However, this boost helps their average benefit cross the four-figure mark for the first time.

The increase you receive will depend on the size of your current Social Security checks. To estimate your new benefit, simply add 3.6% to your existing amount. You will also receive a personalized COLA notice from the Social Security Administration in early December, detailing your exact benefit for the next year. Use this information to calculate how much you will need to cover on your own by subtracting the new benefit from your average monthly expenses.

If your savings are sufficient, personal savings should be your primary option for covering the remaining expenses. If not, you may need to consider a job or applying for other government benefits. It is advisable to start this process as soon as possible, as it can take time to get approved. After receiving your new Social Security checks, review your budget to ensure it works effectively throughout the remainder of 2027. Make any necessary adjustments to maintain financial stability.