September 2025 CPP Pension Increase – How Much More Will You Get?
Canadian seniors rely heavily on the Canada Pension Plan (CPP) and Old Age Security (OAS) as part of their retirement income. With the rising cost of living, these programs are regularly adjusted to ensure retirees can keep up with essential expenses.
In September 2025, the latest CPP pension increase will be reflected in monthly payments. This article breaks down how much more you can expect, the eligibility criteria, and the official payment dates.
Why Is the CPP Increasing in 2025?
The CPP is designed to adjust with economic conditions. Two main factors are driving the 2025 pension increase:
- Annual Cost-of-Living Adjustment (COLA): CPP payments rise each year based on the Consumer Price Index (CPI). In 2025, the increase was 2.6%, ensuring seniors’ purchasing power is not eroded by inflation.
- CPP Enhancement Phase-In: Since 2019, CPP contributions and benefits have been gradually enhanced. The replacement rate of earnings is moving from 25% to 33%, and the contribution ceiling has expanded to cover higher incomes.
How Much Will Seniors Receive in September 2025?
There is no special one-time increase for September, but the monthly benefit reflects the 2025 COLA adjustment and the ongoing CPP enhancements.
CPP and OAS Benefit Amounts (2025)
| Benefit Type | Monthly Amount (2025) |
|---|---|
| Maximum CPP at age 65 | $1,433 |
| Average CPP Payment | $810 – $900 |
| OAS (Age 65–74) | $734.95 |
| OAS (Age 75 and above) | $808.45 |
So, on September 25, 2025, retirees will see their regular monthly CPP payment, which already includes the year’s increases.
CPP Payment Schedule for 2025
It is important for seniors to know when their benefits will be deposited so they can plan expenses accordingly.
CPP Payment Dates 2025
| Month | Payment Date |
|---|---|
| January 2025 | January 28, 2025 |
| February 2025 | February 27, 2025 |
| March 2025 | March 26, 2025 |
| April 2025 | April 26, 2025 |
| May 2025 | May 29, 2025 |
| June 2025 | June 26, 2025 |
| July 2025 | July 29, 2025 |
| August 2025 | August 28, 2025 |
| September 2025 | September 25, 2025 |
| October 2025 | October 29, 2025 |
| November 2025 | November 27, 2025 |
| December 2025 | December 20, 2025 |
Factors That Determine Your CPP Amount
Not every retiree receives the maximum payment. The actual benefit depends on several key factors:
- Contribution History: The more you contributed over your working life, the higher your pension.
- Years of Contribution: You need at least one valid contribution to qualify, but full entitlement requires a consistent contribution history.
- Retirement Age: Taking CPP at age 60 reduces payments by up to 36%, while delaying to age 70 can increase payments by as much as 42%.
- CPP Enhancements: Contributions made after 2019 are part of the enhanced plan, which provides a higher replacement rate of pre-retirement earnings.
- Cost-of-Living Adjustments: Each January, benefits are recalculated to reflect inflation, and the 2.6% increase in 2025 is already included.
Who Qualifies for the September 2025 CPP Pension Boost?
To receive the CPP retirement pension increase, seniors must meet these requirements:
- Be at least 60 years old and have contributed to CPP.
- To receive OAS, be 65 or older and a Canadian citizen or legal resident.
- Must have lived in Canada for at least 10 years after age 18 (20 years if applying while living abroad).
- Application must be submitted before leaving Canada, if relocating.
The September 2025 CPP pension payment represents a continuation of Canada’s commitment to support seniors through inflation and rising costs of living.
With a 2.6% COLA increase and the ongoing CPP enhancement phase, retirees can expect higher payouts compared to previous years.
On September 25, 2025, Canadians eligible for CPP will receive up to $1,433 monthly, with average payments in the $810–$900 range. This adjustment ensures that Canada’s seniors have a more stable income to cover their essential needs.