Canadian retirees, it’s time to stay informed—CPP and OAS are updated as of September 2025, including fresh payment rates, enhanced cost-of-living adjustments, and new deferral strategies to maximize your retirement income.
Here’s everything you need to know—clearly explained and immediately actionable.
Key September 2025 Updates to CPP & OAS
| Program | Payment Date | Maximum Monthly Amount | How Adjusted |
|---|---|---|---|
| CPP Retirement | September 25, 2025 | $1,433.00 (at age 65, full contributions) | Indexed annually in January per CPI |
| OAS (65–74) | September 25, 2025 | Up to $734.95 | Indexed quarterly (July boost +1.0%) |
| OAS (75+) | September 25, 2025 | Up to $808.45 | Includes automatic 10% age-75 increase |
| GIS (Low-income) | September 25, 2025 | Up to $1,097.75/month (single) | Based on income limits set for 2025 |
Understanding the Changes
- CPP: The January 2025 inflation adjustment raised the maximum monthly CPP retirement amount to $1,433, up from $1,364.60 in 2024.
- OAS: For those aged 65 to 74, the max pension is now $734.95/mo. Seniors 75 and older receive up to $808.45/mo, thanks to an automatic 10% increase applied at age 75.
- GIS: Low-income OAS recipients could get up to $1,097.75/month, depending on marital status and combined income.
Payment Schedule for September 2025
Both CPP and OAS (including GIS) payments will be deposited on September 25, 2025, directly via Direct Deposit or mailed cheque.
It’s vital to confirm your bank details through your My Service Canada Account (MSCA) to ensure secure and timely delivery.
Smart Strategy: Deferring CPP & OAS
Thinking of delaying retirement income? Deferral can enhance your benefits:
- CPP: Delay beyond age 65 up to age 70, and receive an 8.4% annual increase (0.7% per month).
Example: $1,000 at 65 could grow to ~$1,420 at 70. - OAS: Each month deferred adds 0.6%, amounting to a 7.2% yearly rise (max ×36% by age 70).
Example: $734.95 at 65 becomes ~$999.53 at 70.
Who Qualifies for CPP & OAS in 2025?
- CPP: Available to contributors who worked in Canada (excluding Quebec) and paid into CPP. Begins at 60 (reduced pay) or at 65 (standard), deferable to 70.
- OAS: Applies to residents/citizens aged 65+ with at least 10 years residency; 40 years ensures full pension. GIS eligibility depends on low-income thresholds.
September 2025 brings welcome updates to CPP and OAS—modest but crucial increases that keep pace with inflation. Your CPP max now stands at $1,433/month, while OAS ranges from $734.95–$808.45/month depending on age.
The GIS supplement provides vital additional support for low-income seniors. Strategic deferrals can significantly boost income, and all payments will be delivered reliably on September 25, 2025. Stay tuned, stay informed, and ensure your future finances align with you.
FAQs
It’s $1,433.00/month for those aged 65 with full contribution history.
Adjusted quarterly with CPI.
$734.95/mo for ages 65–74.
$808.45/mo for 75+.
Use Your MSCA to view amounts, dates, and deposit history. Direct deposits appear as “Government of Canada Deposit”; if not enrolled, expect mailed cheques.