The Old Age Security (OAS) Increase Boost payment in July 2025 is set to provide financial relief to millions of Canadian seniors. The federal government adjusts OAS amounts every quarter based on the Consumer Price Index (CPI), ensuring payments keep pace with inflation. This July, eligible seniors will see another increase in their monthly benefits under this system.
Here’s a complete breakdown of the amounts, eligibility, and payment dates for the OAS Increase Boost payment in July 2025.
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What is the OAS Increase Boost Payment July 2025?
The OAS program is a monthly pension available to seniors aged 65 and older who meet residency and legal status requirements in Canada. Every January, April, July, and October, OAS benefits are adjusted to reflect the rising cost of living, as measured by the Consumer Price Index.
In July 2025, a 1.0% increase is being applied to OAS payments, marking a 2.3% year-over-year increase compared to July 2024. This increase applies automatically to all eligible recipients.
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OAS Monthly Payment Amounts – July to September 2025
After the July 2025 adjustment, OAS payment is increase by 1% based on recent CPI rate. Here are the new OAS amounts:
- Seniors aged 65 to 74: Up to $734.95 per month
- Seniors aged 75 and over: Up to $808.44 per month
The higher amount for seniors aged 75 and over reflects the permanent 10% OAS increase introduced in July 2022.
These amounts are the maximum possible and may be reduced for higher-income seniors due to the OAS recovery tax.
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Who is Eligible for the OAS Increase in July 2025?
To qualify for the OAS and receive the July 2025 increase, applicants must meet the following criteria:
- Be 65 years of age or older as of July 2025
- Be a Canadian citizen or legal resident
- Have lived in Canada for at least 10 years after age 18
- Have filed their 2024 income tax return
For those living outside of Canada, eligibility usually requires having lived in Canada for at least 20 years after turning 18.
No separate application is needed to receive the quarterly increase. If you’re already receiving OAS, the updated amount will be reflected in your July payment.
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OAS July 2025 Payment Date
The next OAS payment, which includes the increased amount, is scheduled for:
- Tuesday, July 29, 2025
OAS is paid monthly, typically on the third-last business day of each month. If you are enrolled in direct deposit, the funds should appear in your bank account on the payment date.
What About the OAS Recovery Tax?
Seniors with a higher net annual income may see part of their OAS benefit clawed back through the OAS recovery tax. For the July 2025 to June 2026 period:
- Recovery starts at income of $93,454
- OAS is fully clawed back around $151,668 (for those aged 65 to 74).
- For those 75 and older, the full clawback applies at around $157,490.
If you’re above this threshold, you may receive a reduced OAS amount or none at all.
Related Benefits Also Increasing
Along with OAS, other related programs will also reflect inflation-based increases in July 2025:
- Guaranteed Income Supplement (GIS): Up to $1,086 monthly for single seniors with low income
- Allowance and Allowance for the Survivor: For low-income seniors aged 60–64 who are spouses or survivors of GIS recipients
These supports are income-tested and automatically adjusted quarterly, just like OAS.
Final Thoughts
The OAS Increase Boost payment in July 2025 ensures that Canada’s seniors continue to receive income that reflects the rising cost of living. With payments reaching up to $808.44 monthly for older seniors, this increase offers some relief in a time of persistent inflation and high living expenses.
To ensure you receive the correct amount, make sure your 2024 tax return has been filed and your direct deposit details are up to date with Service Canada.