Thousands of Canadian retirees are preparing to receive their $900 Canada Pension Plan (CPP) payment in July 2025, a key monthly benefit helping seniors manage the cost of living. With inflation still pressuring household budgets, this payment comes as a critical support for many. Here’s everything you need to know about the amount, eligibility, and exact payment date for the July 2025 CPP.
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July 2025 Canada Pension Plan Payment Date
The CPP payment date for July 2025 is Tuesday, July 29, 2025. If you’re registered for direct deposit, the payment will be automatically transferred to your bank account on that date or within one business day.
This is one of the 12 monthly CPP payments made by the federal government each year, and it covers those who qualify for the Canada Pension Plan retirement benefit, including enhanced and post-retirement benefits.
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How Much Will You Receive?
As of July 2025:
- The average monthly CPP retirement pension for new beneficiaries is $844.53.
- The maximum monthly CPP payment (at age 65 with maximum contributions) is $1,433.00.
However, many retirees fall within the range of $850 to $950, making the $900 Canada Pension Plan payment a realistic average for those who contributed consistently and begin drawing benefits at or after age 65.
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Who is Eligible for the $900 CPP Payment?
To qualify for the CPP retirement pension, you must meet two key requirements:
- Age: You must be at least 60 years old.
- Contributions: You must have made at least one valid CPP contribution during your working years in Canada.
Your monthly amount will vary based on:
- Your average earnings throughout your working life
- The number of years you contributed
- The age you begin receiving CPP (earlier = lower amount; later = higher)
If you delay your pension past age 65, you can increase your benefit by 0.7% per month up to age 70 — a 42% increase total. Conversely, applying before age 65 results in a reduction of 0.6% per month.
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CPP Enhancements and Post-Retirement Benefit (PRB)
CPP enhancements have been gradually implemented since 2019, increasing the amount workers and employers contribute and the benefit future retirees can receive.
If you continue to work while receiving CPP, you can also qualify for the Post-Retirement Benefit (PRB). Contributions made after you start receiving CPP (if you’re under age 70 and still working) will boost your monthly payment, even while you’re retired.
For 2025, the maximum PRB is approximately $49.39 per month, in addition to your regular CPP pension.
Summary of CPP Payment Details – July 2025
| Detail | Information |
|---|---|
| Payment Date | July 29, 2025 |
| Average CPP Payment | $844.53 |
| Maximum CPP Payment | $1,433.00 |
| Typical Payment Range | $850 – $950 |
| Eligibility Age | 60 years and older |
| Contribution Requirement | At least 1 valid CPP contribution |
| Extra Benefit (PRB) | Yes, if working post-retirement |
How to Check Your CPP Eligibility and Amount
You can view your CPP payment estimate and contribution history by logging in to your My Service Canada Account (MSCA). This online portal shows your eligibility, estimated retirement benefit, and whether you’re contributing to the Post-Retirement Benefit.
Final Thoughts
The $900 Canada Pension Plan payment in July 2025 is a vital income stream for retirees across the country. Whether you’re already receiving CPP or planning to apply soon, understanding your entitlements — and how to maximize them — is essential for long-term financial security.
If you haven’t yet applied or want to verify your benefit estimate, now is a good time to check your account or speak with a Service Canada representative to ensure everything is in order for your July payment.