Retirement Social Security

If Your Social Security Check Is $1,800, Here’s How Much More You’ll Get in 2026

Here's how a $1,800 Social Security benefit will change in 2026.

By Katy Willis

Edited by Laura Hohenstein

Updated Dec. 3, 2025

If your Social Security check is $1,800 per month, you're probably watching every dollar. Groceries, co-pays, utilities, and those random unexpected expenses quickly add up.

Thankfully, you are getting an increase to your Social Security check in 2026. The official cost-of-living adjustment (COLA) is 2.8%, and your check will go up automatically.

The problem is that Medicare premiums and taxes can chip away at your increase. Even though your benefit will increase, that may not be the amount that actually lands in your bank account. Understanding how much you'll get in 2026 is key to maximizing your senior benefits.

Learn 7 ways to generate income with a $1,000,000 portfolio

Learn the strategies wealthy retirees use to fund their retirement with $1,000,000 — and how you can, too — with this new guide: The Definitive Guide to Retirement Income from Fisher Investments.

Fisher Investments has helped tens of thousands of investors retire comfortably since 1979. With over $332 billion under management, they provide tailored money management to help achieve long-term goals.

Get your guide here

What a 2.8% COLA does to a $1,800 check

For 2026, Social Security benefits are getting a 2.8% COLA. That percentage is based on inflation data from the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).

Applied to an $1,800 gross benefit, that's an extra $50.40, taking your benefit amount to $1,850.40 before deductions. Your net benefit, which is how much you actually get in your bank account, will be lower than this if you have Medicare premiums and taxes automatically withheld.

You don't need to do anything to get this raise. It's automatically applied to your current base benefit. The newly increased amount kicks in for your December 2025 benefits, which you'll receive in your January 2026 deposit.

Who really has the cheapest auto insurance in your area? Check your zip code here.

What your 2026 Social Security income looks like for the full year

Looking at the big picture helps you figure out your budget and what, if any, extra income you need. If you have a $1,800 Social Security check, that's $21,600 for the year.

With the 2.8% COLA, your new monthly total of about $1,850.40 becomes $22,204.80 for 2026. That's an annual raise of about $604.80. But remember that's before deductions.

How does this compare to the average retired worker's benefit?

The average retired worker's benefit is currently $2,015 per month and, after the COLA is applied, will be $2,071. That's a $56 per month increase. Over the year, that means you'd go from $24,180 in 2025 to $24,852 in 2026, giving you $672 more annually.

Get a protection plan on all your appliances

Did you know if your air conditioner stops working, your homeowner’s insurance won’t cover it? Same with plumbing, electrical issues, appliances, and more.

Whether or not you’re a new homeowner, a home warranty from Choice Home Warranty could pick up the slack where insurance falls short and protect you against surprise expenses. If a covered system in your home breaks, you can call their hotline 24/7 to get it repaired.

For a limited time, you can get your first month free with a Single Payment home warranty plan.

Get a free quote

Medicare premiums can make your net benefit smaller

Most retirees have their Part B premiums taken directly out of their Social Security check. In 2026, that premium is going up significantly. The standard Part B premium is going from $185 per month in 2025 to $202.90 per month in 2026.

The increase of $17.90 per month is around a third of the COLA increase you'll get for a $1,800 check, or even an average retiree check. For a $1,800 gross benefit, when you take away Medicare Part B premiums, your net becomes $1,647.50. That means you really only get a $32.90 increase in your bank account.

Your bigger check could make more of your benefits taxable

Social Security benefits can be taxed, depending on your other income. The IRS looks at your combined income, which is half of your Social Security plus other income and nontaxable interest, to decide how much of your benefits will be taxed.

If you're single and your combined income is over $25,000, up to 50% of your benefit can be taxed. If it's over $34,000, up to 85% is taxable.

If you're married and filing jointly, then up to 50% of your benefit is taxable if your combined income is over $32,000, and up to 85% if it exceeds $44,000.

If you're claiming and working, remember the earnings test

If you're taking Social Security before full retirement age (FRA) and still working, the earnings test can reduce how much of your benefit you see in the short term. In 2026, if you're under FRA, you can earn up to $24,480 before it impacts your benefits. If you exceed that cap, $1 in benefits gets withheld for every $2 you earn.

If 2026 is the year you reach FRA, you can earn up to $65,160 before $1 is withheld from your benefit for every $3 that you earn. But the withholding stops at the start of the month you reach FRA.

While the earnings test won't affect your $1,800 benefit if you stay under the withholding threshold, it can be an unpleasant surprise when you go over it if you're not prepared. If your checks are smaller than you expect because you triggered the earnings test, just remember that your base benefit will be adjusted upwards when you reach full retirement age to account for the temporary reduction.

Retirement News: Almost 80% of Americans fear a retirement age increase — here’s the real reason why

How to check your benefit amount

$1,800 isn't the average, and it's not necessarily the amount you should expect. Your benefit amount is based on your 35 years of highest recorded earnings.

To find out how much your 2026 benefit will be, log in to your "my Social Security" account and open your COLA notice. Inside, you'll find your gross benefit, any Medicare deductions and tax withholding, and the net deposit you'll receive.

If any of these figures look wrong, contact the SSA through the portal or call your local office as soon as possible so you can get the discrepancy taken care of before it impacts your 2026 benefits.

Bottom line

If you receive $1,800 as your gross Social Security benefit in 2025, the 2.8% COLA will push that amount up by $50.40. So, your new amount will be $1,850.40 starting with your January payment.

The actual amount that shows up in your account will likely be lower than this, though, as Medicare deductions and voluntary tax withholding get taken directly from your gross benefit. Be sure to check your COLA notice so you can adjust your budget and retirement plan accordingly.

More from FinanceBuzz:

7 Ways To Generate Income With a $1,000,000 Portfolio

Fisher Investments Benefits

If you have $1,000,000 saved up, this guide is for you.
Learn strategies wealthy retirees use to fund their retirement.
Generate a real income while you enjoy your life.

Get your guide here

Author Details

Katy Willis

Katy Willis is a personal finance writer for FinanceBuzz, with over 20 years of experience helping readers make smarter financial choices. She specializes in frugal living, debt-proof budgeting, and building long-term financial security by spending less and reusing resources more effectively.