Supplemental Security Income is paid on the first day of each month. When the first falls on a weekend or a federal holiday, Social Security moves the deposit to the preceding business day. Applying that rule to the actual 2027 calendar produces three months with two SSI deposits (April, July, and December), three months with no deposit at all (January, May, and August), and one date that catches people off guard: the January 2028 payment arrives on Thursday, December 30, 2027, two days early rather than one. You still receive exactly 12 payments.
Here is the full 2027 calendar, the reasoning behind each shifted date, and what the early deposits mean for your budget and your resource limit.
SSI Payment Dates 2027: Complete Calendar
| Benefit month | Date deposited | Day | Why it shifted |
|---|
| January 2027 | December 31, 2026 | Thursday | January 1 is New Year's Day, a federal holiday |
| February 2027 | February 1, 2027 | Monday | Normal |
| March 2027 | March 1, 2027 | Monday | Normal |
| April 2027 | April 1, 2027 | Thursday | Normal |
| May 2027 | April 30, 2027 | Friday | May 1 falls on a Saturday |
| June 2027 | June 1, 2027 | Tuesday | Normal |
| July 2027 | July 1, 2027 | Thursday | Normal |
| August 2027 | July 30, 2027 | Friday | August 1 falls on a Sunday |
| September 2027 | September 1, 2027 | Wednesday | Normal |
| October 2027 | October 1, 2027 | Friday | Normal |
| November 2027 | November 1, 2027 | Monday | Normal |
| December 2027 | December 1, 2027 | Wednesday | Normal |
| January 2028 | December 30, 2027 | Thursday | January 1, 2028 is a Saturday, so New Year's Day is observed Friday, December 31 |
Read that table by deposit date rather than by benefit month and the pattern gets clearer. Money actually lands in your account on these 12 dates during calendar year 2027:
February 1, March 1, April 1, April 30, June 1, July 1, July 30, September 1, October 1, November 1, December 1, and December 30.
The Three Months With No SSI Deposit in 2027
Nothing is being withheld in these months. The payment simply arrived a day or two early, at the end of the prior month.
January 2027. Your January benefit was deposited Thursday, December 31, 2026, because January 1, 2027 falls on a Friday that is also New Year's Day. That means December 2026 shows two SSI deposits (December 1 and December 31) and January 2027 shows none.
May 2027. May 1 is a Saturday, so the May benefit posts Friday, April 30. April shows two deposits and May shows none.
August 2027. August 1 is a Sunday, so the August benefit posts Friday, July 30. July shows two deposits and August shows none.
The gap between the December 31, 2026 deposit and the February 1, 2027 deposit is 32 days, the longest stretch of the year. If rent is due the first week of January 2027, plan for it in late December.
Why December 2027 Ends on the 30th, Not the 31st
This is the detail most third-party calendars get wrong. January 1, 2028 falls on a Saturday. Under federal law, when New Year's Day lands on a Saturday, the holiday is observed on the preceding Friday, which is December 31, 2027. Because that Friday is itself a federal holiday, Social Security moves back one more day to Thursday, December 30, 2027.
There is a precedent. January 1, 2022 was also a Saturday, the holiday was observed Friday, December 31, 2021, and SSI recipients received their January 2022 payment on Thursday, December 30, 2021. Expect the same two-day shift at the end of 2027.
Social Security Payment Dates 2027 (SSDI and Retirement)
Social Security disability and retirement benefits run on a completely different calendar than SSI. They are paid on Wednesdays, assigned by your birth date.
| Birth date | Payment day | 2027 dates |
|---|
| 1st to 10th | Second Wednesday | Jan 13, Feb 10, Mar 10, Apr 14, May 12, Jun 9, Jul 14, Aug 11, Sep 8, Oct 13, Nov 10, Dec 8 |
| 11th to 20th | Third Wednesday | Jan 20, Feb 17, Mar 17, Apr 21, May 19, Jun 16, Jul 21, Aug 18, Sep 15, Oct 20, Nov 17, Dec 15 |
| 21st to 31st | Fourth Wednesday | Jan 27, Feb 24, Mar 24, Apr 28, May 26, Jun 23, Jul 28, Aug 25, Sep 22, Oct 27, Nov 24, Dec 22 |
None of the 2027 Wednesday dates collide with a federal holiday, so no shifts apply to the Wednesday groups this year.
If You Receive Both SSI and Social Security
Roughly one in three SSI recipients also receives Social Security. If that is you, or if your benefits started before May 1997, your Social Security payment comes on the third of the month rather than on a Wednesday, and your SSI still comes on the first. You get two separate deposits, usually two days apart.
| Benefit month | Social Security paid (3rd-of-month group) |
|---|
| January 2027 | December 31, 2026 (Jan 3 is a Sunday, and Jan 1 is a holiday) |
| February 2027 | February 3 |
| March 2027 | March 3 |
| April 2027 | April 2 (April 3 is a Saturday) |
| May 2027 | May 3 |
| June 2027 | June 3 |
| July 2027 | July 2 (July 3 is a Saturday) |
| August 2027 | August 3 |
| September 2027 | September 3 |
| October 2027 | October 1 (October 3 is a Sunday) |
| November 2027 | November 3 |
| December 2027 | December 3 |
Note December 31, 2026: SSI and the third-of-month Social Security payment both land that day, so people who receive both may see three deposits hit within 24 hours (the December SSI on December 1, then both January payments on December 31).
The 2027 COLA and When You Will See It
The cost-of-living adjustment for 2027 is announced in mid-October 2026, after the September Consumer Price Index report. Social Security has indicated the announcement lands on approximately October 14, 2026.
As of August 2026, independent forecasts cluster in the mid-3 percent range. The Senior Citizens League has projected approximately 3.6 percent and AARP has projected approximately 3.5 percent. These are estimates, not the official figure, and they move with each monthly inflation report. Nothing is final until Social Security publishes it.
Current 2026 rates, which reflect the 2.8 percent COLA that took effect for 2026:
| Category | 2026 maximum federal SSI payment |
|---|
| Individual | $994 per month |
| Eligible couple | $1,491 per month |
| Essential person | Approximately $498 per month |
The 2027 increase applies to your January 2027 benefit, which means the higher amount shows up in the deposit dated December 31, 2026, not in a January deposit. This trips people up every year. If you are checking whether your raise took effect, look at the last banking day of December.
Many states add a supplement on top of the federal amount. State supplement amounts, and whether the state or Social Security administers them, vary widely. Your award letter shows your actual combined monthly figure.
How SSI Payments Arrive in 2027
Paper checks are gone. Under Executive Order 14247 and federal law, all federal benefit payments moved to electronic delivery as of September 30, 2025. Two options remain:
Direct deposit to a checking or savings account. Funds are typically available at the open of business on the payment date, though some banks and credit unions post them the evening before.
Direct Express card, a prepaid debit card for people without a bank account. No credit check, no bank account required. Funds load on the payment date.
Social Security allows limited exceptions for beneficiaries who cannot use electronic payment, including certain hardship and accessibility situations. Those requests go through Social Security directly at 1-800-772-1213.
You can update or change your deposit method any time through your my Social Security account at ssa.gov/myaccount. Changes typically take effect within one to two payment cycles, so make them at least 30 days before the payment date you want them applied to.
What to Do If Your 2027 SSI Payment Does Not Arrive
Social Security asks you to wait three mailing days past the scheduled date before reporting a missing payment. For direct deposit, check with your bank first, because posting times vary by institution.
- Confirm the date. Check the table above. A "missing" January payment is usually a payment that already arrived on December 31.
- Check your bank. Some institutions hold federal deposits until the morning of the payment date even when the funds arrive the night before.
- Log in to my Social Security. Your payment history and deposit information are both there.
- Call 1-800-772-1213 (TTY 1-800-325-0778), weekdays 8:00 a.m. to 7:00 p.m. local time.
- Visit your local office. Appointments are strongly recommended and can be scheduled by phone.
Two Deposits in One Month and the SSI Resource Limit
SSI has a strict resource limit: $2,000 for an individual and $3,000 for a couple. Getting two deposits in April, July, or December can push a bank balance above that line temporarily.
Social Security does not count the current month's SSI payment as a resource in the month it is received. Money left over the following month does count. In practical terms, the early payment is treated as belonging to the month it covers, so an April 30 deposit is your May money and is not counted as an April resource. Problems arise when funds accumulate across months, not from the timing shift itself.
If your balance is approaching $2,000, spend down on allowable needs (rent, food, medical costs, a security deposit, car repair) or ask about an ABLE account, which lets eligible people with disabilities save well beyond the SSI limit without losing benefits.
Frequently Asked Questions
When is the first SSI payment of 2027?
The January 2027 benefit is paid Thursday, December 31, 2026, because January 1, 2027 is a Friday federal holiday. The first deposit that actually lands during calendar year 2027 is Monday, February 1, 2027.
Why is there no SSI payment in January 2027?
There is a payment, it just arrived early. January 1, 2027 falls on New Year's Day, a federal holiday, so Social Security issued the January benefit on the preceding business day, December 31, 2026.
Which months in 2027 have two SSI deposits?
April 2027 (April 1 and April 30), July 2027 (July 1 and July 30), and December 2027 (December 1 and December 30). The second deposit in each case is next month's benefit paid early.
Which months in 2027 have no SSI deposit?
January, May, and August 2027. Those benefits were deposited on December 31, 2026, April 30, 2027, and July 30, 2027 respectively.
Why is the last 2027 SSI payment on December 30 instead of December 31?
January 1, 2028 is a Saturday, so the New Year's Day federal holiday is observed on Friday, December 31, 2027. Since that Friday is a holiday, the payment shifts back one more business day to Thursday, December 30, 2027.
What is the maximum SSI payment right now?
For 2026, the federal maximum is $994 per month for an individual and $1,491 for an eligible couple. The 2027 amounts will be set by the COLA announced in October 2026 and will first appear in the payment dated December 31, 2026.
Do SSI and SSDI arrive on the same day?
No. SSI pays on the first of the month. SSDI pays on the second, third, or fourth Wednesday based on your birth date. If you receive both, your Social Security portion moves to the third of the month instead of a Wednesday.
Does an early SSI deposit mean my payment was reduced?
No. An early deposit is the full benefit for the following month, paid ahead of a weekend or holiday. The amount is unchanged.
Has Social Security published the official 2027 calendar?
Social Security publishes its combined 2026 to 2027 payment schedule at ssa.gov/pubs/calendar.htm. The dates in this guide are derived by applying Social Security's stated rule (payment on the first, moved to the preceding business day for weekends and federal holidays) to the 2027 calendar. Confirm against the official publication before making a financial commitment on a specific date.
What if my payment amount changes mid-year?
Report changes in income, living arrangement, marital status, or resources to Social Security within 10 days after the end of the month the change happened. Unreported changes cause overpayments, and overpayments get recovered from future checks.
