If you are a Canadian retiree receiving the Canada Pension Plan (CPP), it is important to know the payment dates for the last two months of the year. Many seniors rely on this money for their monthly expenses, and knowing the dates helps you plan ahead.
The Canada Revenue Agency (CRA) and Service Canada have confirmed the final 2025 CPP payment schedule. Both months—November and December—will have their payments made earlier than usual due to the banking and holiday schedule.
This article explains when the payments will arrive, why the dates are important, and how you can make sure your deposit reaches you on time.
Official CPP Payment Dates for November and December 2025
The confirmed dates for the final two CPP payments of 2025 are as follows:
| Month | Payment Date | Reason for Early Payment |
|---|---|---|
| November 2025 | Wednesday, November 26, 2025 | Regular banking schedule |
| December 2025 | Monday, December 22, 2025 | Early due to holiday season |
These dates mean retirees will receive their CPP deposits earlier than usual in December. This adjustment helps avoid delays caused by the Christmas and New Year holidays.
If you are registered for direct deposit, the amount should appear in your bank account on the same day. If you receive a paper cheque, allow several extra days for delivery by mail.
Why It Is Important to Know These Dates
Knowing your CPP payment dates is very helpful for planning your finances. Many seniors use CPP to pay for rent, groceries, utilities, and medical expenses. When you know the exact date your money arrives, you can manage your bills better and avoid overdraft fees.
It also gives peace of mind, especially during the holiday period when banks and post offices are closed for several days.
In addition, December’s early payment is useful for anyone who travels or sends money to family before Christmas. Receiving the money earlier ensures you have funds available for year-end needs.
How to Make Sure You Receive Your CPP Payment
- Check your direct deposit information – Make sure your banking details with Service Canada are correct. Wrong account information may delay your payment.
- Monitor your account – You can log in to your My Service Canada Account to check your payment history and confirm when the next deposit is due.
- Avoid paper cheques – Direct deposit is faster, safer, and prevents postal delays. If you still receive cheques, allow at least 5–10 business days for delivery.
- Keep reminders – Mark November 26 and December 22 on your calendar so you know exactly when your money will arrive.
CPP Payment Amounts for Late 2025
Here is an estimate of the average and maximum monthly CPP payments for 2025. The actual amount depends on your personal contribution record and the age you started receiving CPP.
| Type of CPP Benefit | Average Monthly Amount (2025) | Maximum Monthly Amount (2025) |
|---|---|---|
| Retirement (age 65) | $758 | $1,364.60 |
| Disability | $1,125 | $1,606.78 |
| Survivor (under 65) | $614 | $717.12 |
| Survivor (65 and older) | $353 | $861.92 |
| Child of disabled or deceased contributor | $294 | $294 |
Simple Tips for Managing CPP Income
- Keep a personal budget to track how you use your CPP and other benefits like OAS.
- Combine CPP with a Tax-Free Savings Account (TFSA) for better savings.
- Review your payment statements once every few months to catch any errors or missing deposits.
- Contact Service Canada immediately if your payment is late or your banking information changes.
The Canada Pension Plan payments for November and December 2025 are confirmed for November 26 and December 22. The December payment is arriving early to avoid delays from the year-end holidays. These regular and timely payments continue to help millions of seniors maintain financial stability.
To ensure your funds arrive safely, always check your deposit details, stay updated with Service Canada, and plan your monthly expenses in advance. Being informed keeps you financially confident and ready for the months ahead.
FAQs
When will I get my CPP payment in November 2025?
You will receive it on Wednesday, November 26, 2025.
Why is the December 2025 payment early?
It’s scheduled early, on Monday, December 22, 2025, to avoid Christmas and New Year banking delays.
What should I do if my CPP payment is late?
Check your bank account first. If it is not received within a few days, contact Service Canada to confirm your payment status.
