Canadians receiving the Canada Pension Plan (CPP) can expect their year-end payment to land before the holidays.
Below is the confirmed December 2025 pay date, who gets paid, typical 2025 CPP amounts, and what to do if money doesn’t show up on time.
December 2025 Pay Date
The CPP December 2025 payment date is Monday, December 22, 2025.
If you use direct deposit, funds usually arrive on that date. Mailed cheques can take extra days depending on postal timelines and weather.
Who Gets Paid In December
December follows the normal CPP cycle.
All benefit types are included on the same day: retirement pension, CPP disability, survivor’s pension, and children’s benefits.
If you were approved earlier in the month, your first payment may include a pro-rated amount from your start date.
How Much You’ll Receive
Your CPP amount is unique to your contribution history and the age you started. For 2025 benchmarks:
- Maximum retirement pension at 65: $1,433.00/month
- Average new retirement pension at 65 (2025): $844.53/month
- Maximum CPP disability (January 2025): $1,683.57/month
- Maximum survivor’s pension (age 65+): $859.80/month
If you began CPP before 65, your payment is reduced; if you delayed to after 65 (up to 70), it’s increased. These adjustments are permanent.
Indexation And Year-End Timing
CPP is indexed to inflation once a year. The next cost-of-living adjustment appears with the January 2026 payment, not in December.
Your December 2025 deposit reflects 2025 rates.
Working While On CPP
If you’re 60+ and working while receiving CPP, continuing to contribute can earn a Post-Retirement Benefit (PRB)—an extra, lifetime amount added to your CPP.
For 2025, the maximum new PRB at age 65 is $49.39/month based on the prior year’s earnings.
What To Do If Your Payment Is Late
- Check your bank the evening of Dec 22 and the next business day—posting times vary by bank.
- Verify your direct deposit details if you changed banks recently.
- For cheques, allow for holiday mail delays; if it still hasn’t arrived, contact Service Canada.
- Watch for common issues: updated marital status, address changes, or tax adjustments that can affect timing.
Full 2025 CPP Dates At A Glance
Use this calendar to plan bills and cash flow. Direct deposit typically arrives on the date below.
| Month 2025 | CPP Pay Date |
|---|---|
| January | Jan 29, 2025 |
| February | Feb 26, 2025 |
| March | Mar 27, 2025 |
| April | Apr 28, 2025 |
| May | May 28, 2025 |
| June | Jun 26, 2025 |
| July | Jul 29, 2025 |
| August | Aug 27, 2025 |
| September | Sep 25, 2025 |
| October | Oct 29, 2025 |
| November | Nov 26, 2025 |
| December | Dec 22, 2025 |
Quick Eligibility Pointers
- You must have contributed to CPP during your working years (outside Quebec).
- You can start CPP as early as 60 (reduced) or as late as 70 (increased).
- CPP disability requires a severe and prolonged disability plus contribution requirements.
- Survivor’s and children’s benefits are available to eligible family members of contributors.
Your CPP December 2025 payment is scheduled for Monday, December 22, 2025.
Set up direct deposit for the fastest delivery, and remember that indexation happens in January, so December reflects current-year rates.
Use the full-year calendar above to manage bills, and review your details with Service Canada if anything changes to keep your CPP payments smooth and on time.
FAQs
Banks post deposits at different times. Most direct deposits appear on the date; some post overnight or early morning the next business day.
No. CPP is a monthly payment. Any inflation increase applies each January, not in December.
CPP is based on lifetime contributions and start age. Benchmarks like the $1,433.00 maximum and $844.53 average are guides; individual payments vary.