Social Security COLA 2027, full retirement age, earnings test and 2027 limits from SSA notices.
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Monthly Social Security retirement benefit if claimed at a given age between 62 and 70, from the full-retirement-age amount (PIA). Uses 5/9 of 1 percent a month for the first 36 early months, 5/12 of 1 percent after that, and 2/3 of 1 percent a month of delayed credits for people born after 1942, with SSA dime rounding.
Monthly benefit at full retirement age (primary insurance amount) in dollars, from the SSA statement.
Birth date as YYYY-MM-DD, for example "1960-07-15".
Claiming age in whole years, 62 to 70.
Extra months, 0 to 11. Default 0.
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Run in a terminal
claude mcp add --transport http social-security-cola-2027-mcp https://social-security-cola-2027-mcp.lipmichal.workers.dev/mcp
Monthly Social Security retirement benefit if claimed at a given age between 62 and 70, from the full-retirement-age amount (PIA). Uses 5/9 of 1 percent a month for the first 36 early months, 5/12 of 1 percent after that, and 2/3 of 1 percent a month of delayed credits for people born after 1942, with SSA dime rounding.
| Argument | Type | Description |
|---|---|---|
| pia* | number | Monthly benefit at full retirement age (primary insurance amount) in dollars, from the SSA statement. |
| birth_date* | string | Birth date as YYYY-MM-DD, for example "1960-07-15". |
| claim_age_years* | integer | Claiming age in whole years, 62 to 70. |
| claim_age_months | integer | Extra months, 0 to 11. Default 0. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"birth_date",
"pia",
"claim_age_years"
],
"properties": {
"pia": {
"type": "number",
"maximum": 20000,
"description": "Monthly benefit at full retirement age (primary insurance amount) in dollars, from the SSA statement.",
"exclusiveMinimum": 0
},
"birth_date": {
"type": "string",
"pattern": "^\\d{4}-\\d{2}-\\d{2}$",
"description": "Birth date as YYYY-MM-DD, for example \"1960-07-15\"."
},
"claim_age_years": {
"type": "integer",
"maximum": 70,
"minimum": 62,
"description": "Claiming age in whole years, 62 to 70."
},
"claim_age_months": {
"type": "integer",
"maximum": 11,
"minimum": 0,
"description": "Extra months, 0 to 11. Default 0."
}
},
"additionalProperties": false
}Apply a year's Social Security COLA to a monthly benefit. Rounds down to the next lower 10 cents and shows the whole-dollar payment, as SSA does. Default year 2027 (3.6 percent).
| Argument | Type | Description |
|---|---|---|
| year | integer | Year the COLA is first paid. Default 2027. |
| monthly_benefit* | number | Current monthly benefit in dollars, for example 2008. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"monthly_benefit"
],
"properties": {
"year": {
"type": "integer",
"maximum": 2100,
"minimum": 1996,
"description": "Year the COLA is first paid. Default 2027."
},
"monthly_benefit": {
"type": "number",
"maximum": 100000,
"description": "Current monthly benefit in dollars, for example 2008.",
"exclusiveMinimum": 0
}
},
"additionalProperties": false
}How much Social Security withholds under the retirement earnings test for a year and annual earnings: $1 for every $2 over the limit, or $1 for every $3 in the year you reach full retirement age.
| Argument | Type | Description |
|---|---|---|
| year | integer | Year 2023 to 2027. Default 2027. |
| annual_earnings* | number | Wages plus net self-employment earnings for the year, in dollars. In the year you reach full retirement age, only earnings before that month. |
| monthly_benefit | number | Monthly benefit, to estimate how many months are withheld. |
| reaches_full_retirement_age_this_year | boolean | True if you reach full retirement age during this year. Default false. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"annual_earnings"
],
"properties": {
"year": {
"type": "integer",
"maximum": 2027,
"minimum": 2023,
"description": "Year 2023 to 2027. Default 2027."
},
"annual_earnings": {
"type": "number",
"minimum": 0,
"description": "Wages plus net self-employment earnings for the year, in dollars. In the year you reach full retirement age, only earnings before that month."
},
"monthly_benefit": {
"type": "number",
"description": "Monthly benefit, to estimate how many months are withheld.",
"exclusiveMinimum": 0
},
"reaches_full_retirement_age_this_year": {
"type": "boolean",
"description": "True if you reach full retirement age during this year. Default false."
}
},
"additionalProperties": false
}Full retirement age for Social Security from a birth date (20 CFR 404.409, including the January 1 rule and the day-before-birthday rule), the exact date and month it is reached, the earliest month benefits can start at 62 and the percent cut, the spouse percent at 62, delayed retirement credits to age 70 and the survivor full retirement age.
| Argument | Type | Description |
|---|---|---|
| birth_date* | string | Birth date as YYYY-MM-DD, for example "1960-07-15". |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"birth_date"
],
"properties": {
"birth_date": {
"type": "string",
"pattern": "^\\d{4}-\\d{2}-\\d{2}$",
"description": "Birth date as YYYY-MM-DD, for example \"1960-07-15\"."
}
},
"additionalProperties": false
}Social Security cost-of-living adjustment (COLA) for a payable year, from the SSA "Cost-of-Living Increase and Other Determinations" notice in the Federal Register. The 2027 COLA is 3.6 percent (effective December 2026, paid January 2027, published 2026-10-26). Also returns the COLA history back to 1996. Without a year it checks the Federal Register API for a newer notice.
| Argument | Type | Description |
|---|---|---|
| year | integer | Year the COLA is first paid (January). Default: the latest, 2027. |
| history_years | integer | How many years of COLA history to include, newest first. Default 10. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"properties": {
"year": {
"type": "integer",
"maximum": 2100,
"minimum": 1996,
"description": "Year the COLA is first paid (January). Default: the latest, 2027."
},
"history_years": {
"type": "integer",
"maximum": 40,
"minimum": 0,
"description": "How many years of COLA history to include, newest first. Default 10."
}
},
"additionalProperties": false
}Social Security program amounts for 2023 to 2027 from the Federal Register notices: maximum taxable earnings (2027: $192,300), retirement earnings test limits (2027: $25,560 and $67,920), earnings per work credit, substantial gainful activity, trial work month, maximum federal SSI and PIA bend points.
| Argument | Type | Description |
|---|---|---|
| year | integer | Year 2023 to 2027. Default 2027. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"properties": {
"year": {
"type": "integer",
"maximum": 2027,
"minimum": 2023,
"description": "Year 2023 to 2027. Default 2027."
}
},
"additionalProperties": false
}We read every tool's name, description and inputs the way the model will, looking for instructions hidden from you. A clean result means no warning signs, not a guarantee. Scanned Nov 5, 2026.