Social Security COLA for 2025: What It Means

Benefits rose 2.5% for 2025. The COLA applies to Social Security payments starting January 2025 (SSI reflected in late December 2024).

What to do now

• Estimate lifetime income using our Retirement Calculator.
• Review withholding and taxes—benefits may be taxable depending on your combined income.

Source: Social Security Administration’s COLA fact sheet and updates.