Eligible Canadians receiving the Canada Pension Plan (CPP) and Old Age Security (OAS) benefits can expect their July 2025 payments to arrive on Tuesday, July 29. If you’re entitled to either benefit, your funds will be directly deposited into your bank account on that date.
OAS Payment Increase Starting July 2025
From July to September 2025, the OAS benefit will increase by 1%, which is part of a 2.3% annual adjustment from July 2024 to July 2025. This raise is in line with the Consumer Price Index (CPI) to reflect the rising cost of living.
The government reviews OAS payments every January, April, July, and October. Notably, even if the cost of living drops, your OAS payments will not be reduced.
Federal and Provincial Benefits Rolling Out in July
Alongside CPP and OAS, several other government support programs are set for July 2025 disbursement. These include:
- GST/HST Credit
- Advanced Canada Workers Benefit
- Ontario Trillium Benefit
- Canada Child Benefit (CCB)
- Ontario Disability Support Program (ODSP)
- Canada Disability Benefit (for approved applications submitted before June 30, 2025)
These payments support low- to moderate-income individuals and families throughout Canada.
CPP Payment Dates for 2025
Here is the complete CPP 2025 payment schedule:
| Month | Payment Date |
|---|---|
| January | January 29, 2025 |
| February | February 26, 2025 |
| March | March 27, 2025 |
| April | April 28, 2025 |
| May | May 28, 2025 |
| June | June 26, 2025 |
| July | July 29, 2025 |
| August | August 27, 2025 |
| September | September 25, 2025 |
| October | October 29, 2025 |
| November | November 26, 2025 |
| December | December 22, 2025 |
CPP Payment Amounts: How Much Can You Receive?
To qualify for CPP, you must:
- Be at least 60 years old
- Have made at least one valid contribution to the CPP through employment in Canada or credited earnings from a former spouse or common-law partner
CPP Payment Rates (as of 2025)
- Maximum CPP at age 65: $1,433/month
- Average CPP at age 65 (April 2025): $844.53/month
However, your actual CPP amount depends on:
- The age you begin receiving CPP
- Your total contributions and how long you’ve contributed
- Your average earnings during your working years
You can get a personalized estimate by logging into your My Service Canada Account.
OAS Eligibility and Enrollment
The Old Age Security (OAS) program offers a monthly pension to seniors aged 65 and older.
Most Canadians will be automatically enrolled if Service Canada has sufficient information on file. You’ll receive a notification confirming your enrollment status.
OAS Payment Amounts for July–September 2025
| Age Group | Maximum Monthly OAS Payment |
|---|---|
| 65 to 74 years | $734.95 |
| 75 years and over | $808.45 |
To qualify for OAS payments, your 2024 annual net world income must be:
- Below $148,541 if you’re aged 65–74
- Below $154,196 if you’re 75 or older
A new online OAS estimator tool is available through the CRA to help you calculate your expected payment.
Missed a Federal Payment? Here’s What to Do
If your benefit payment hasn’t arrived, the Canada Revenue Agency (CRA) advises waiting 10 business days after the scheduled payment date before contacting them.
The July 2025 payments for CPP and OAS are set to provide not only timely financial support but also increased aid in line with rising living costs. With clear payment schedules and updated amounts, both programs continue to be essential pillars of financial security for Canadian seniors.
Don’t forget to verify your eligibility and payment estimates through My Service Canada Account or the CRA’s online tools to stay on top of your benefits.
FAQs
Will my CPP and OAS payments be deposited on the same day?
Yes, both CPP and OAS payments for July 2025 are scheduled to be deposited on Tuesday, July 29, 2025.
How do I check how much CPP or OAS I’ll receive?
You can log into your My Service Canada Account or use the CRA’s OAS estimator tool to get a personalized estimate of your benefits.
What if I don’t get my payment on the expected date?
Wait 10 business days after the scheduled date. If the payment still hasn’t arrived, contact the Canada Revenue Agency for assistance.