Starting July 2025, Canadian retirees will see automatic cost-of-living adjustments to their CPP and OAS/GIS payments.
Maximum CPP payments rise to $1,433/month, while OAS increases by 1.0%, boosting senior income mid‑year.
What’s Driving the Increase?
CPP Enhancement
- Fully phased in by 2025, this program enhances the replacement rate from 25% to 33.33% of average earnable income.
- In 2025, the maximum CPP retirement pension reaches $1,433/month.
- Monthly contributions now account for higher earnings across two tiers.
OAS & GIS Adjustments
- With quarterly indexation tied to CPI, OAS benefits rose 1.0% for July–September 2025, reflecting a 2.3% annual increase.
- Maximum monthly OAS:
- 65–74: up to $734.95
- 75+: up to $808.45 .
- GIS (Guaranteed Income Supplement) also increases, with singles receiving up to $1,097.75/month.
Who Benefits from These Boosts?
- CPP: Fully eligible to those who have made sustained, full contributions post-2019, especially over 40 years.
- OAS/GIS:
- OAS: Canadians aged 65+, with prorated amounts for partial residency.
- GIS: Applicants must have low income, with single individuals benefiting most .
Payment Timeline – July to December 2025
| Benefit | Frequency | Next Payment Date |
|---|---|---|
| CPP | Monthly | 29 July, 27 Aug, 25 Sep, etc. |
| OAS (65–74) | Monthly | 27 July (increase applied) |
| OAS (75+) | Monthly | 27 July (new max) |
| GIS | Monthly | With OAS, reflecting new rates |
These payments require no action from recipients—automatically deposited to linked bank accounts.
How Much Will You Get?
- Max CPP: $1,433/month in 2025.
- Average CPP: Around $900/month, depending on contribution history.
- OAS:
- $734.95/month (65–74)
- $808.45/month (75+)
- GIS: Up to $1,097.75 for single low-income recipients.
Combined benefits can now reach $2,250–$2,403/month.
What You Should Do Now
- No application needed for CPP, OAS, or GIS increases—they’re automatic.
- Confirm bank details via your My Service Canada Account.
- Verify payment dates and adjusted amounts in your account.
- Contact Service Canada (1‑800‑277‑9914) if you don’t receive updated payments.
From July through December 2025, Canada’s CPP will top $1,433/month, while OAS and GIS also increase automatically.
Eligible Canadians should verify their banking info and expect deposits at month-end. These boosts reinforce Canada’s commitment to ensuring stable retirement income.
FAQs
1. Do I need to apply for the CPP/OAS increase?
No—these are automatically applied to existing beneficiaries.
2. How much will I receive if I don’t get the maximum CPP?
Most retirees receive around $900/month, based on lifetime contributions.
3. Can GIS recipients expect bigger monthly payments now?
Yes. The GIS top-up also increases with OAS, benefiting low-income seniors.