Canada CRA Confirms $2,166 Pension Payment for July 2025 – Check the Payment Date

Published On: July 18, 2025

As living expenses continue to rise, Canada’s federal government is stepping up support for seniors. The Canada Revenue Agency (CRA) has confirmed that eligible retirees can receive up to $2,166 in combined pension payments on July 28, 2025. This amount includes the Canada Pension Plan (CPP), Old Age Security (OAS), and the Guaranteed Income Supplement (GIS).

Whether you’re already retired or preparing for it, this guide will help you know how the benefits work, how much you may receive, and how to make sure you don’t miss out.

Overview

Here’s a snapshot of the upcoming July 2025 pension payment:

Feature	Details
Total Payment	Up to $2,166 (combined CPP + OAS + GIS)
Payment Date	July 28, 2025
Tax Status	CPP & OAS: Taxable; GIS: Non-taxable
Application Required	Yes – for CPP & GIS
Source	CRA and Service Canada

Breakdown

Let’s take a closer look at how the maximum $2,166 figure is calculated:

CPP: Up to $1,433/month (based on contributions and when you start it)
OAS: Around $713.34/month for those aged 65–74, and $784.67/month for 75+
GIS: Up to $1,065.47/month for low-income single seniors

Note: Very few Canadians qualify for the full maximums in all three categories. Most will receive a smaller combined amount based on their income and contribution history.

Eligibility

Must be at least 60 years old
Must have contributed to CPP through work or self-employment

Old Age Security (OAS)

Must be at least 65 years old
Must have lived in Canada for at least 10 years after turning 18

Guaranteed Income Supplement (GIS)

Must already receive OAS
Must have low income (under $21,624 for single seniors in 2025, approximate)

How to Apply

Benefit	Automatic?	Application Method
CPP	No	Online via My Service Canada or by mail
OAS	Sometimes	May be automatic; check status
GIS	No	Submit GIS application with OAS

Payment Date

All three benefits are expected to be paid on July 28, 2025. Seniors who signed up for direct deposit will receive their payment faster than those relying on mailed cheques.

Example Scenario

Case Study:
Sarah is 72, single, and worked most of her adult life in Canada. She now receives:

CPP: $1,300/month
OAS: $713.34/month
GIS: $1,065.47/month

Total: $3,078.81/month — but GIS will be adjusted based on her other income sources. If her total income is too high, her GIS will be reduced or eliminated.

Tips to Maximize Your Pension

Delay CPP: If you can wait until age 70 to start CPP, you can boost your payments by 42%.
Reduce taxable income: This helps increase GIS eligibility.
Apply early: Apply six months before your 65th birthday.
Use direct deposit: It’s faster, safer, and avoids mail delays.
Check your CRA My Account: Monitor benefit changes, updates, and clawbacks.

Impact on Cost of Living

Although $2,166/month helps cover basic expenses, seniors in high-cost provinces may still struggle. Rising costs in housing, healthcare, and food mean this payment may only stretch so far.

In 2025, OAS and GIS were adjusted by about 2.3% to match inflation. However, these boosts may not be enough for those living in urban centres or renting without supplemental income.

Tax Considerations

CPP and OAS are considered taxable income
GIS is non-taxable
If your total income exceeds the OAS clawback threshold (approximately $90,997 in 2025), part or all of your OAS may be reduced
Seniors should consider working with a tax advisor to optimize their retirement income