Social Security COLA 2027 MCP

io.github.theluckystrike由 GitHub 帳號 theluckystrike 發布v1.0.0更新於 Nov 5, 2026

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

已驗證Streamable HTTP可網頁執行金融資料與分析

概覽

AI 產生的概覽

遠端 MCP 伺服器，讓助理查詢社會安全生活成本調整（COLA）、完全退休年齡、請領年齡與收入測試等 SSA 最新資料。

可以做什麼
  • 查詢某給付年度的社會安全 COLA，並回傳可追溯至 1996 年的歷史資料
  • 把某年度的 COLA 套用到每月給付額，並依 SSA 規則取整到 10 美分與整美元
  • 依出生日期給出完全退休年齡、達到的月份、62 歲請領的扣減比例，以及延後到 70 歲的加成
  • 依完全退休年齡給付額（PIA）計算 62 至 70 歲之間任一請領年齡的每月給付
  • 查詢年度方案限額，例如最高應稅所得、收入測試限額、SSI 與 PIA 分段點
  • 估算退休收入測試在指定年度所得與收入水準下會扣留多少
適用情境
適合回答關於 2027 年社會安全金額、COLA、完全退休年齡、不同請領年齡的取捨或收入測試扣留的問題，尤其是模型訓練資料早於 2026 年 10 月 SSA 公告時。結果附有資料截止日期以及聯邦公報或 eCFR 來源。
執行需求
需要一個遠端 streamable HTTP 端點；不需 API 金鑰、權杖或註冊。README 另提到本機 npm 方式，但該套件尚未發布，屆時需要 Node 20 或更新版本。需要網路存取。
安裝前請注意
它不會讀取個人收入紀錄，PIA 須由使用者提供。以淨給付額計算的 COLA 增幅誤差約在一美元以內，配偶與遺屬金額僅以百分比表示，家庭最高限額與失能給付未納入模型。結果僅供參考，不構成財務建議。

安裝

在 SourceWeft 中

  1. 開啟 儀表板中的 Social Security COLA 2027 MCP，將其新增到工作區。
  2. 為需要使用其工具的對話啟用該服務。

Web executable，透過 Streamable HTTP。 遠端服務在工作區中設定後即可從網頁執行環境執行。

交給代理程式安裝

把這段提示詞貼上到 Claude Code、Codex、Cursor 等代理程式，或 SourceWeft 對話中。代理程式會讀取該伺服器的安裝指南，先向你展示發布者、端點和登入方式，經你同意後再把它新增到你的客戶端。金鑰不會寫進任何命令。

閱讀 https://sourceweft.com/mcp/io.github.theluckystrike%2Fsocial-security-cola-2027-mcp/install.md，並按其中說明把這個 MCP 伺服器接入我的客戶端。修改任何設定之前，先告訴我它的發布者、端點和登入方式，等我確認。不要把 API 金鑰寫進命令或我會提交的檔案；問我金鑰應從哪裡取得。

檢視代理程式所依據的安裝指南

其他 MCP 客戶端

把它新增到你客戶端的 mcpServers 設定中。

{
  "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

來源：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.

輸入參數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).

輸入參數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.

輸入參數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.

輸入參數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.

輸入參數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.

輸入參數yearannual_earnings必填monthly_benefitreaches_full_retirement_age_this_year

版本歷史

1
  1. v1.0.0最新Nov 5, 2026

評分

已滿足適用檢查項的 100%

該評分衡量此收錄條目的完整程度，依據註冊中心條目、端點與公開來源計算得出。它不是對伺服器本身的評價，也不表示伺服器安全或目前可用：可連通性是帶日期的檢查結果，評分也不包含安裝量或使用者評價。

  • 近 30 天內可連通必需25 分
  • 已宣告認證方式必需10 分
  • 已列出工具必需15 分
  • 描述必需15 分
  • 圖示10 分
  • 文件15 分
  • 授權條款10 分