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Social Security COLA 2027 MCP server

The 2027 Social Security COLA, wage base and earnings test from the Federal Register, plus full retirement age and claiming math for your birth date.

Connect free Source on GitHub

Free. No key, no sign-in, no paid tier. 6 tools.

Can Claude tell me the Social Security COLA for 2027?

Connector URL

https://social-security-cola-2027-mcp.lipmichal.workers.dev/mcp

Paste it as a custom connector in Claude, or add it to Claude Code, Cursor or VS Code. Setup for each is below.

What it knows that a model doesn't

A model answers from training data. This server reads the source when you ask.

  • The COLA for 2027 (3.6 percent, paid from January 2027) and every year back to 1996, with the Federal Register notice and date.
  • Your full retirement age from your birth date, the earliest month you can claim, the cut at 62 and the credits to 70, by the CFR rules.
  • The 2027 taxable maximum, earnings test limits and what the earnings test withholds for your own earnings.

Sources SSA "Cost-of-Living Increase and Other Determinations" notices in the Federal Register (2027 notice 2026-21796, published 2026-10-26), read through the Federal Register API; 20 CFR 404.102, 404.311, 404.409 and 404.410 through the eCFR API.

Tools (6)

Read from the live server with tools/list on 2026-11-05.

ToolWhat it does
get_social_security_cola Get Social Security COLA. 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.
calculate_cola_increase Calculate COLA increase. 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.
get_full_retirement_age Get full retirement age. 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...
calculate_claiming_age_benefit Calculate benefit by claiming age. Monthly Social Security retirement benefit if claimed at a given age between 62 and 70, from the full-retirement-age amount (PIA).
get_social_security_limits Get Social Security limits for a year. 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...
calculate_earnings_test Calculate earnings test withholding. 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.

Connect it

One URL, no token. Pick your app.

Claude.ai and Claude Desktop

Open Settings, then Connectors, then Add custom connector. Paste the URL. Leave the OAuth fields empty. Save.

https://social-security-cola-2027-mcp.lipmichal.workers.dev/mcp

Claude Code

Run this in your terminal. Then run claude mcp list to check it.

claude mcp add --transport http social-security-cola-2027 https://social-security-cola-2027-mcp.lipmichal.workers.dev/mcp

Cursor

Merge this into ~/.cursor/mcp.json (all projects) or .cursor/mcp.json (one project).

{
  "mcpServers": {
    "social-security-cola-2027": {
      "url": "https://social-security-cola-2027-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

VS Code

Put this in .vscode/mcp.json. The top key is servers, not mcpServers.

{
  "servers": {
    "social-security-cola-2027": {
      "type": "http",
      "url": "https://social-security-cola-2027-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

Things to ask

Paste one into a new chat after you connect.

Sourcegithub.com/theluckystrike/social-security-cola-2027-mcp

Questions

Is the social Security COLA 2027 MCP server free?
Yes. The hosted URL is free and needs no token, key or account. The source is open on GitHub.
Why not just ask the model?
A model answers from its training data. That data stops at a cutoff date, and long sums can drift. This server reads its data or rules each time you ask, so the answer is current and exact.
Where does the data come from?
SSA "Cost-of-Living Increase and Other Determinations" notices in the Federal Register (2027 notice 2026-21796, published 2026-10-26), read through the Federal Register API; 20 CFR 404.102, 404.311, 404.409 and 404.410 through the eCFR API.
Which apps can use it?
Any MCP client that accepts a remote server URL: Claude.ai and Claude Desktop custom connectors, Claude Code, Cursor, VS Code and others. You can also run it locally with npx.

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