Social Security COLA 2027 MCP

io.github.theluckystrike由 GitHub 账号 theluckystrike 发布v1.0.0更新于 Nov 5, 2026

Social Security COLA 2027, full retirement age, earnings test and 2027 limits from SSA notices.

已验证Streamable HTTP可网页运行金融数据与分析

概览

AI 生成的概览

远程 MCP 服务器，让助手查询社保生活成本调整（COLA）、完全退休年龄、领取年龄与收入测试等 SSA 最新数据。

可以做什么
  • 查询某支付年度的社保 COLA，并返回可追溯至 1996 年的历史数据
  • 把某年度的 COLA 应用到月给付额，并按 SSA 规则取整到 10 美分和整美元
  • 根据出生日期给出完全退休年龄、达到的月份、62 岁领取的扣减比例以及延迟到 70 岁的加成
  • 按完全退休年龄给付额（PIA）计算 62 至 70 岁之间任一领取年龄的月给付
  • 查询年度项目限额，如最高应税收入、收入测试限额、SSI 与 PIA 分段点
  • 估算退休收入测试在给定年度收入和收入水平下会扣留多少
适用场景
适合回答关于 2027 年社保金额、COLA、完全退休年龄、不同领取年龄的取舍或收入测试扣留的问题，尤其是模型训练数据早于 2026 年 10 月 SSA 公告时。结果附带数据截止日期以及联邦公报或 eCFR 来源。
运行要求
需要一个远程 streamable HTTP 端点；无需 API 密钥、令牌或注册。README 还提到本地 npm 方式，但该包尚未发布，届时需要 Node 20 或更高版本。需要网络访问。
安装前请注意
它不读取个人收入记录，PIA 需由用户提供。基于净给付额计算的 COLA 增幅误差约在一美元以内，配偶与遗属金额仅以百分比表示，家庭最高限额与伤残给付未建模。结果仅供参考，不构成财务建议。

安装

在 SourceWeft 中

  1. 打开 控制台中的 Social Security COLA 2027 MCP，将其添加到工作区。
  2. 为需要使用其工具的对话启用该服务。

Web executable，通过 Streamable HTTP。 远程服务在工作区中配置后即可从网页运行时运行。

交给智能体安装

把这段提示词粘贴到 Claude Code、Codex、Cursor 等智能体，或 SourceWeft 对话中。智能体会读取该服务器的安装指南，先向你展示发布者、端点和登录方式，经你同意后再把它添加到你的客户端。密钥不会写进任何命令。

阅读 https://sourceweft.com/mcp/io.github.theluckystrike%2Fsocial-security-cola-2027-mcp/install.md，并按其中说明把这个 MCP 服务器接入我的客户端。修改任何配置之前，先告诉我它的发布者、端点和登录方式，等我确认。不要把 API 密钥写进命令或我会提交的文件；问我密钥应从哪里获取。

查看智能体所依据的安装指南

其他 MCP 客户端

把它添加到你客户端的 mcpServers 配置中。

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

README

social-security-cola-2027-mcp

Social Security COLA 2027, full retirement age and 2027 limits for AI assistants. The COLA paid from January 2027 is 3.6 percent. Give a birth date and get the exact full retirement age month, the cut at 62 and the gain at 70.

This is a Model Context Protocol (MCP) server. Every amount is copied from the SSA notices in the Federal Register and from 20 CFR part 404. It needs no API key.

Tools

ToolWhat it returns
get_social_security_colaThe COLA for a payable year (2027 is 3.6 percent, effective December 2026, paid January 2027) and the history back to 1996. Without a year it checks the Federal Register API for a newer notice.
calculate_cola_increaseWhat a monthly benefit becomes after the COLA, with SSA rounding to 10 cents and to the whole dollar.
get_full_retirement_ageFull retirement age for a birth date, the date and month it is reached, the earliest claim month at 62, the percent cut at 62, the spouse percent, delayed credits to 70 and the survivor full retirement age.
calculate_claiming_age_benefitThe monthly benefit for any claiming age from 62 to 70, from the full-retirement-age amount (PIA).
get_social_security_limitsFor 2023 to 2027: maximum taxable earnings (2027 is $192,300), earnings test limits (2027 is $25,560 and $67,920), earnings per work credit, SGA, trial work month, maximum federal SSI and PIA bend points.
calculate_earnings_testHow much the retirement earnings test withholds for a year and annual earnings.

Every result has structured JSON, a one-paragraph summary, as_of, source (the Federal Register notice or the eCFR section) and more (a page on mcpstamp.com).

What it knows that your model does not

  • The 2027 COLA (3.6 percent) and the 2027 amounts. SSA published them on 2026-10-26, after most models were trained.
  • The full retirement age rules as written. A January 1 birthday counts as the year before. You reach an age the day before your birthday. Before full retirement age you must be 62 for the whole month, so most people start the month after they turn 62.
  • The exact reduction and delayed-credit arithmetic with SSA rounding. The two worked examples in 20 CFR 404.410 and 404.313 are test fixtures.

Install

Hosted (Claude.ai custom connector, ChatGPT developer mode)

Paste this URL. No token, no sign-up. It works now.

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

Claude Code

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

Claude Desktop

Claude Desktop adds remote servers under Settings, Connectors, Add custom connector. Paste the URL above.

Cursor

Add to ~/.cursor/mcp.json:

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

VS Code

Add to .vscode/mcp.json:

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

Local stdio (after npm release)

The npm package is not published yet. After it is, run it locally with Node 20 or newer:

claude mcp add ss-cola -- npx -y social-security-cola-2027-mcp

Example prompts

  • "What is the Social Security COLA for 2027?"
  • "My benefit is $2,008 a month. What will it be in January 2027?"
  • "I was born on July 15, 1960. What is my full retirement age and how much do I lose if I start at 62?"
  • "My PIA is $2,400. What do I get if I claim at 64 and 6 months, or at 70?"
  • "What is the Social Security earnings limit for 2027, and how much is withheld if I earn $40,000?"
  • "What is the maximum taxable earnings for Social Security in 2027?"

Data sources

Full list with fetch dates in DATA_SOURCES.md.

Limitations

  • It does not read your earnings record. Use your SSA statement for your PIA.
  • The COLA increase from a net payment is an estimate within about a dollar, because SSA applies the COLA to the PIA before the Medicare premium is taken out.
  • Spousal and survivor amounts are shown as percents only. Family maximum and disability benefits are not modeled.
  • Yearly limits cover 2023 to 2027. COLA history covers 1996 to 2027.

More

More MCP servers that answer questions your assistant cannot answer alone are on mcpstamp.com.

Part of the Zovo MCP collection: https://mcp.zovo.one

Built by theluckystrike.

Development

npm installnpm test                              # builds, then runs the fixture tests and an offline stdio testnode scripts/stdio-transcript.mjs     # stdio round trip, writes .live/stdio-transcript.jsonl

License

MIT

来源：README.md，提交 9f76829

工具

6

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. 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.

输入参数yearhistory_years

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. Default year 2027 (3.6 percent).

输入参数yearmonthly_benefit必填

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 cut, the spouse percent at 62, delayed retirement credits to age 70 and the survivor full retirement age.

输入参数birth_date必填

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). 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.

输入参数pia必填birth_date必填claim_age_years必填claim_age_months

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 activity, trial work month, maximum federal SSI and PIA bend points.

输入参数year

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.

输入参数yearannual_earnings必填monthly_benefitreaches_full_retirement_age_this_year

版本历史

1
  1. v1.0.0最新Nov 5, 2026

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