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Don't Bank on a Huge 2027 Social Security COLA to Cover Your Expenses. Try These 3 Moves Instead.

Your checks will get a boost next year, but you still might need to rethink your budget.

Don't Bank on a Huge 2027 Social Security COLA to Cover Your Expenses. Try These 3 Moves Instead.

Published July 27, 2026 · Category: Finance

Overview

You may have heard that Social Security is on track for an above-average benefit boost in 2027, according to recent cost-of-living adjustment (COLA) predictions. That's a relief if you're struggling under the high inflation we've faced so far this year. But it's important to put an above-average COLA in perspective.

The latest projections from The Senior Citizens League (TSCL) estimate it at 3.8%, which would add about $79 to the average monthly benefit as of June 2026. That's not life-changing for most people. It may not even be enough to fully offset the higher cost of goods you've experienced over the last six months. You may need to try one or more of the following three solutions to supplement your 2027 Social Security checks.

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Originally published at www.fool.com.

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