Koskamo

Social Security COLA 2027 MCP

An open-source MCP server that provides AI assistants with accurate Social Security data, including the 2027 COLA of 3.6%, full retirement age calculations based on birth dates, earnings test limits, and maximum taxable earnings. It sources data from SSA Federal Register notices and 20 CFR 404 to compute benefits and limits for years 2023-2027.

Endpoint and access

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Social Security COLA 2027 MCP logo, by theluckystrikeCommunity listingStreamable HTTPNo sign-inEndpoint checked 2026-11-07Published by theluckystrike
MCP endpoint (Streamable HTTP)
https://social-security-cola-2027-mcp.lipmichal.workers.dev/mcp
Vendor documentation

What its tools do

6 tools, grouped by the hints the server advertises. Hints are self-declared, not verified behavior.

Read-only (6)

6 of 6 have a description · 6 of 6 declare behavior hints · 6 of 6 with parameters document them all

Checks and signals

Each line is separate evidence, not a trust score.

  • Passed Endpoint answered the live check ·
  • Availability 1 of 1 checks passed in 30 days

What you can do with it

  • Calculate the 2027 Social Security COLA percentage
  • Determine full retirement age and earliest claim month
  • Compute monthly benefit after applying COLA increases
  • Check 2027 earnings test limits and withholding amounts

Source and maintenance

Community listingRegistry 1.0.0
mcp-registry: io.github.theluckystrike/social-security-cola-2027-mcp@1.0.0Source repository
Maintenance checked

Protocol and capabilities

Server
social-security-cola-2027-mcp 1.0.0
MCP protocol negotiated in check
2025-11-25
Tools
6 advertised
Resources
Not advertised
Resource templates
Not advertised
Prompts
Not advertised
Server-advertised capabilities
{
  "tools": {
    "listChanged": true
  }
}

Server-provided instructions

Untrusted server output shown for inspection. It is not Koskamo guidance and is excluded from knowledge search.

Social Security numbers that are newer than most model training data: the COLA paid from January 2027 (3.6 percent, announced October 2026), the 2027 wage base ($192,300), 2027 earnings test limits and SSI amounts, all copied from the SSA notices in the Federal Register, plus exact full retirement age and claiming-age math from 20 CFR 404. Use get_social_security_cola for "what is the COLA" and get_full_retirement_age for "when can I retire".

Tools

6 advertised

get_social_security_cola — Get Social Security COLA
Advertised by the server during the last successful anonymous check.
Advertised read-onlyOpen-world

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.

get_social_security_cola input schema
{
  "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
}
get_social_security_cola annotations
{
  "title": "Social Security COLA",
  "readOnlyHint": true,
  "openWorldHint": true,
  "idempotentHint": true,
  "destructiveHint": false
}
calculate_cola_increase — Calculate COLA increase
Advertised by the server during the last successful anonymous check.
Advertised read-only

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).

calculate_cola_increase input schema
{
  "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
}
calculate_cola_increase annotations
{
  "title": "COLA increase",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
get_full_retirement_age — Get full retirement age
Advertised by the server during the last successful anonymous check.
Advertised read-only

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.

get_full_retirement_age input schema
{
  "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
}
get_full_retirement_age annotations
{
  "title": "Full retirement age",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
calculate_claiming_age_benefit — Calculate benefit by claiming age
Advertised by the server during the last successful anonymous check.
Advertised read-only

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.

calculate_claiming_age_benefit input schema
{
  "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
}
calculate_claiming_age_benefit annotations
{
  "title": "Benefit by claiming age",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
get_social_security_limits — Get Social Security limits for a year
Advertised by the server during the last successful anonymous check.
Advertised read-only

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.

get_social_security_limits input schema
{
  "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
}
get_social_security_limits annotations
{
  "title": "Social Security limits",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
calculate_earnings_test — Calculate earnings test withholding
Advertised by the server during the last successful anonymous check.
Advertised read-only

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.

calculate_earnings_test input schema
{
  "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
}
calculate_earnings_test annotations
{
  "title": "Earnings test",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

Prompts

Not advertised

No prompt definitions available.

Resources

Not advertised

No resource definitions available.

30-day availability

Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.

Successful checks
1 of 1 (100%)
Average latency
572 ms
95th percentile latency
572 ms

Maintenance history

Public check and source-refresh events. Editorial and ownership records remain private.

  • · probe · passed · 572 ms · metadata changed · 6 tool(s)

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers the remote server. Use --scope project to write .mcp.json for the repo.
Claude Code configuration
claude mcp add --transport http social-security-cola-2027-mcp https://social-security-cola-2027-mcp.lipmichal.workers.dev/mcp

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).
Codex configuration
codex mcp add social-security-cola-2027-mcp --url https://social-security-cola-2027-mcp.lipmichal.workers.dev/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable social-security-cola-2027-mcp in your MCP settings.
Cursor configuration
{
  "mcpServers": {
    "social-security-cola-2027-mcp": {
      "url": "https://social-security-cola-2027-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).
Cline configuration
{
  "mcpServers": {
    "social-security-cola-2027-mcp": {
      "type": "streamableHttp",
      "url": "https://social-security-cola-2027-mcp.lipmichal.workers.dev/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start social-security-cola-2027-mcp and inspect its tools.
VS Code configuration
{
  "servers": {
    "social-security-cola-2027-mcp": {
      "type": "http",
      "url": "https://social-security-cola-2027-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.
Gemini CLI configuration
gemini mcp add --transport http social-security-cola-2027-mcp https://social-security-cola-2027-mcp.lipmichal.workers.dev/mcp

Claude Desktop

Open Claude Settings > Connectors > Add custom connector, enter this server URL and enable it for the conversation. This is a manual remote-connector handoff, not a desktop JSON configuration.
Claude Desktop configuration
https://social-security-cola-2027-mcp.lipmichal.workers.dev/mcp

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.
Windsurf configuration
{
  "mcpServers": {
    "social-security-cola-2027-mcp": {
      "serverUrl": "https://social-security-cola-2027-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

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