New CPP Payments Rolling Out Across Canada On September 25, 2025

Seniors across Canada can expect their Canada Pension Plan (CPP) payments to arrive on Thursday, September 25, 2025. For some, this could mean up to $1,600 or more in their bank accounts. With rising costs affecting everything from groceries to gas, this monthly support offers real help.

What Is the CPP?

The Canada Pension Plan gives monthly payments to people who worked and contributed to it during their working years. Most workers will notice CPP deductions on their paycheques. These contributions help fund retirement, disability, and survivor benefits. CPP adjusts every year to keep up with inflation.

This plan helps replace some income after you stop working. It’s not just for retirees either—it includes support for people with disabilities, surviving spouses, and children of deceased contributors.

Who Can Get CPP?

To qualify for CPP payments, you need to:

• Be 60 years or older
  
• Have made at least one valid CPP contribution
  

Even one short-term or part-time job could make you eligible. You don’t have to be retired to start getting payments. People who are still working and under 70 can collect CPP while earning more credits under the Post-Retirement Benefit.

If you’ve gone through a divorce or separation, you may be able to split CPP credits with your ex. This can help boost your future payments.

When Will the Payment Arrive?

CPP payments for September 2025 will arrive on Thursday, September 25. If you use direct deposit, the money will go straight into your bank account that day.

If you receive a cheque by mail, expect it a few days later.

Remaining 2025 payment dates:

• October 29 (Wednesday)
  
• November 26 (Wednesday)
  
• December 22 (Monday)
  

Check your My Service Canada Account to confirm or update your bank details.

How Much Can You Get?

The amount you receive depends on:

• How much you contributed
  
• How long you contributed
  
• When you start collecting
  

In 2025, someone starting at age 65 could get up to $1,433 monthly. The average payment is about $845 for new recipients.

Here’s a quick look at other payments:

• Disability Benefit: Up to $1,673.24/month
  
• Post-Retirement Benefit: Up to $49.39/month
  
• Survivor's Pension (under 65): Up to $770.88/month
  
• Survivor's Pension (65+): Up to $859.80/month
  
• Children’s Benefit: Up to $301.77/month
  

You could receive a combined payment if you qualify for more than one benefit.

Boosting Your CPP Payment

Timing matters. Here’s how your start age affects payments:

• Start at 60: 36% less than at 65
  
• Start at 65: Standard full amount
  
• Delay to 70: Up to 42% more
  

Working longer or making extra contributions after 60 can also help grow your CPP through the Post-Retirement Benefit. You can check your contribution history anytime in your My Service Canada Account.

Extra CPP Benefits

CPP also offers more than just retirement help:

• Disability Benefits if you can’t work due to illness
  
• Survivor’s Pension for a partner after a contributor passes
  
• Children’s Benefits if a CPP contributor dies or becomes disabled
  

These amounts get added together in a single monthly payment if you qualify.

How to Apply for CPP

You can apply for CPP once you're 60 to 70 years old. Apply online through your My Service Canada Account for faster processing. If you prefer, send your application by mail or visit a Service Canada office.

You’ll need:

• Your banking info for direct deposit
  
• Proof of age and work history
  
• Details about a former spouse if applying for credit splitting
  

Online applications are usually processed in 28 days. Mail applications may take up to 120 days.

Is CPP Taxed?

Yes. CPP is taxable income. You can set up tax deductions in your My Service Canada Account or submit a paper form.

If you don’t choose to have tax withheld, you may need to make quarterly tax payments. Non-residents will have tax taken out automatically.

What About Quebec?

Quebec has its own program, called the Quebec Pension Plan (QPP). It works similarly to the CPP.

If you worked both in Quebec and other provinces, the two systems work together to calculate your pension.

The next QPP payment is due on Monday, September 29.

CPP payments will be issued across Canada on September 25, 2025. Eligible seniors can expect up to $1,600 or more, depending on their work and contribution history. From extra benefits to smart timing, knowing how CPP works can help you make the most of it. Update your details and apply early to avoid delays.