Canadian seniors can get over $1,600 from this government pension payment in September
Here's everything you need to know! 👇
Canada Pension Plan payments for September 2025 go out next week.
Believe it or not, we're already halfway through September, and for Canadian seniors who rely on monthly pensions and government support, the September Canada Pension Plan payment is coming up soon.
Whether you're covering bills, restocking the fridge or just keeping a close eye on your budget, staying up to date on your payments from the CRA and Service Canada can really help keep things on track.
With the cost of living still putting pressure on wallets, every little bit counts — and programs like the CPP and Old Age Security are key lifelines for millions across the country.
Along with the base pension earned through your working years, the Canada Pension Plan also includes other supports like CPP disability and survivor benefits, which can offer extra help when it's needed most.
Knowing exactly when your government payments are coming and how much you're owed can make planning a whole lot easier — especially if you're juggling other expenses. With the next deposit just around the corner, now's a good time to check your Service Canada account and make sure everything's set.
Here's what to know about the Canada Pension Plan September 2025 payment, including the exact date, who qualifies and how much you could receive.
How does the Canada Pension Plan work?
The Canada Pension Plan is a federal program that provides monthly pension payments to people who made contributions while working in Canada. If CPP deductions were taken from your paycheques over the years, you'll likely qualify to receive it once you reach the minimum age.
You can start collecting CPP at age 60, but your monthly payment will be lower than if you wait. The standard age to begin is 65, though delaying until age 70 will increase your monthly amount. There's no advantage to waiting past 70, so most people apply sometime before then.
After your application is approved, your payment amount is locked in — it will never decrease. Each January, however, the amount could be increased to account for inflation.
CPP is paid out every month and can be deposited directly into your bank account for convenience.
Who is eligible for the Canada Pension Plan?
To qualify for CPP retirement payments, you need to be at least 60 years old and have made at least one valid contribution during your working years in Canada. If you've ever had CPP deductions taken from your pay, you're likely eligible.
In some cases, such as a divorce or the end of a common-law relationship, you may be able to split CPP credits with a former partner. This can affect how much you receive or even help you qualify.
You don't need to leave your job to start getting CPP. If you're still working and under 70, you could also earn additional income through the CPP post-retirement benefit.
What are CPP disability and survivor benefits?
The Canada Pension Plan offers more than just retirement income — there are several other benefits available that provide financial support, depending on your situation.
Post-Retirement Benefit: This is a monthly payment for people aged 60 to 70 who are still working while receiving their CPP or QPP pension. To qualify, both you and your employer must continue contributing to the CPP.
CPP Disability Benefit: This benefit is available to people under the age of 65 who can no longer work due to a long-term physical or mental condition. To be eligible, you must have made enough CPP contributions and be unable to earn a regular income from any type of work.
Post-Retirement Disability Benefit: This benefit is for people between the ages of 60 and 65 who are already receiving CPP retirement payments. It may apply if you become disabled after starting your pension and no longer qualify for the regular CPP disability benefit.
CPP Survivor's Pension: This monthly payment is provided to the surviving spouse or common-law partner of a CPP contributor who has died. The amount is based on the deceased person's contributions and the age of the surviving partner.
CPP Children's Benefits: These monthly payments are available for dependent children of a CPP contributor who has either died or become disabled. Payments continue until the child turns 18, or up to age 25 if they are attending school full- or part-time.
If you qualify for more than one of these benefits, they will be combined into a single monthly payment from Service Canada.
How to apply for the Canada Pension Plan
To start receiving CPP, you'll first need to decide when you want your payments to begin. You can apply anytime between the ages of 60 and 70. The earlier you start, the smaller the monthly amount — but if you delay, the payments will be higher for the rest of your life.
Once you've chosen your start date, applying is simple. The quickest way is through your My Service Canada Account online. If you prefer paper forms, you can download the CPP application, fill it out and submit it by mail or in person at a Service Canada location.
If you apply online, Service Canada usually sends a response within 28 days. For mailed applications, it can take up to 120 days to hear back.
How is the Canada Pension Plan calculated?
The amount you receive from the Canada Pension Plan depends on several factors, including your contribution history, when you decide to start collecting and whether you're eligible for additional benefits like CPP disability or survivor support.
Your age at the time you start is one of the biggest influences. If you begin at 60, your monthly payment will be lower. Waiting until 65 gives you the standard rate, and delaying up to age 70 increases the amount. Once you start receiving CPP, the payment is locked in — but it does increase slightly each year to account for inflation.
How much you contributed during your working years also plays a big role. If you consistently earned a higher income and made regular CPP contributions, your monthly payment will likely be larger. Working past 60 can continue to boost your retirement income through the post-retirement benefit, as long as you're under 70 and still paying into the plan.
Other life situations — like raising children, living with a disability or spending time out of the workforce — may also affect the final amount.
To get a personalized estimate, you can log into your My Service Canada Account or use the Retirement Income Calculator on the Service Canada website.
How much does the Canada Pension Plan pay?
As of 2025, the maximum monthly CPP retirement payment for someone starting at age 65 is $1,433. Most people receive less than that, though — the average monthly amount for new beneficiaries at 65 is approximately $845.
Your specific payment is based on your earnings and CPP contributions over the years. If you had lower income or took time away from work, your monthly benefit will likely be smaller. Higher and more consistent contributions increase your chances of getting closer to the maximum.
CPP also includes several other benefit types, each with its own maximum monthly rate for 2025:
- Post-retirement benefit (at age 65): $49.39
- Disability benefit: $1,673.24
- Post-retirement disability benefit: $598.49
- Survivor's pension (under 65): $770.88
- Survivor's pension (65 and over): $859.80
- Child benefit (under 18 or full-time student): $301.77
- Child benefit (part-time student): $150.89
- Combined survivor's and retirement pension (at 65): $1,449.53
- Combined survivor's and disability benefit: $1,683.57
If you're approved for more than one CPP benefit, they’ll be merged into a single monthly payment. However, the total amount may be adjusted — it won’t always add up to the full value of each individual benefit.
For a personalized estimate, you can log into your My Service Canada Account or try the Retirement Income Calculator available on the Service Canada website.
Is the Canada Pension Plan taxable?
Yes, CPP income is taxable. However, unlike employment wages, taxes aren't automatically withheld unless you ask for it.
If you prefer to have taxes taken off your CPP payments each month, you can make that request through your My Service Canada Account or by filling out and sending in a paper form. If you don't set this up, you might be required to make quarterly tax instalments depending on your total income for the year.
For people living outside Canada, a non-resident tax is automatically deducted from CPP payments — no extra steps are needed in that case.
Does Quebec have its own pension plan?
es, Quebec runs its own pension program called the Quebec Pension Plan, or QPP. It functions similarly to the Canada Pension Plan and provides monthly payments to eligible workers who made contributions while employed in the province.
If you've lived and worked only in Quebec, you'll receive QPP benefits. If you've worked in both Quebec and other provinces, any contributions made to either plan will be combined to make sure you're paid correctly. The CPP and QPP systems coordinate to cover your full work history across jurisdictions.
Like CPP, QPP benefits are paid every month. The September 2025 QPP payment date is set for Monday, September 29.
When are the Canada Pension Plan payment dates?
Canada Pension Plan payments are issued toward the end of each month. If you've signed up for direct deposit, the money goes directly into your bank account on the payment date.
The September 2025 CPP payment date is scheduled for Thursday, September 25.
Looking ahead, here are the remaining CPP payment dates for 2025:
- Wednesday, October 29
- Wednesday, November 26
- Monday, December 22
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