July 26, 2026: My projection for the 2027 COLA is 3.6%
Tipswatch.com, updated Sept. 11, 2026
The Social Security cost-of-living adjustment is based on an unusual inflation index – CPI-W – and is determined by averaging the indexes for July, August and September and comparing that number to the same average for the year before.
For payments in 2026, the cost-of-living adjustment rose 2.8%, less than official U.S. inflation for the September-to-September period.
More information:
— Does The Social Security COLA Shortchange Seniors?
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Treasury Inflation-Protected Securities 
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