$1,400 OAS & CPP Increase Coming September 2025 – Check CRA Eligibility Now

If you’ve seen posts claiming a “$1,400 OAS & CPP raise in September 2025 by CRA,” here’s the reality: there is no one-time $1,400 increase landing in September and the CRA does not set OAS/CPP benefit rates. 

Instead, Service Canada (Employment and Social Development Canada) updates OAS quarterly with inflation, and CPP benefits were indexed for 2025 in January with the annual CPI adjustment. For September 2025, the news is:

• OAS rates are up 1.0% for the July–September 2025 quarter (with another 0.7% increase slated for October–December 2025).
• CPP’s 2025 increase (2.6%) already took effect in January 2025; the current maximum CPP at age 65 is $1,433.00/month.

Below, you’ll find who is eligible, how much you can receive, and the key September 2025 payment date—plus a clean table you can use for quick reference.

What Actually Changed for September 2025?

Old Age Security (OAS)

• Quarterly indexation: OAS is adjusted every January, April, July and October to track the Consumer Price Index (CPI). For July–September 2025, OAS rates increased by 1.0%. Another 0.7% increase is already scheduled for October–December 2025.
• Maximum monthly OAS (July–September 2025):
  • Age 65–74: $734.95
  • Age 75+: $808.45
    These maxima reflect the 10% permanent OAS boost for those 75+ introduced in 2022. 

Canada Pension Plan (CPP)

• Annual indexation: CPP benefits are adjusted once a year in January. For 2025, CPP benefits paid in 2024 were increased by 2.6%. 
• Maximum CPP retirement pension (age 65) in 2025: $1,433.00/month (in effect since January 2025). This is the figure many headlines round off as “about $1,400.” 

Bottom line: The “$1,400” you’re seeing is not a new September raise. It’s the 2025 CPP maximum (already in place since January). OAS did move up modestly this quarter due to CPI.

Who is Eligible for OAS?

Old Age Security (OAS) is a taxable monthly pension for seniors aged 65+. Your residency in Canada after age 18 determines whether you get a full or partial pension:

• Full OAS generally requires 40 years of residence in Canada after age 18.
• Partial OAS is possible with at least 10 years of residence (the amount is proportional to years lived in Canada).

Other key points:

• Income thresholds: OAS is subject to a recovery tax (“clawback”) if your income exceeds a set net world income threshold. For the current July–September 2025 page, the income level used for recovery tax reference is $90,997 (2024), because OAS recovery tax is assessed based on the prior year’s income.
• At age 75, your OAS maximum is 10% higher than the 65–74 rate (this is already built into the $808.45 figure for this quarter). 
• Quarterly CPI protection: OAS will not decrease if CPI falls; it only moves up or stays flat. 

Tip: If you haven’t lived in Canada for 40 years after age 18, you can still get partial OAS. The formula is years lived in Canada ÷ 40 (e.g., 20 years → 50% of the full OAS). 

Who is Eligible for CPP?

CPP is a taxable monthly pension based on your contributions during your working years. To qualify, you must have:

• Made valid CPP contributions, and
• Be at least 60 (you can start CPP as early as 60 or delay to as late as 70; delaying increases the monthly amount). 

Key facts for 2025:

• Maximum CPP at 65: $1,433.00/month. Actual amounts vary based on how much and how long you contributed. The average paid is much lower than the maximum. 
• CPP enhancement and earnings limits: The YMPE and YAMPE for 2025 are $71,300 and $81,200 respectively (relevant for contributors; retirees don’t need to worry about these unless they’re still working and contributing). 

Low-Income Top-Ups that Pair with OAS

If your income is modest, the OAS program offers income-tested supplements:

• Guaranteed Income Supplement (GIS): For low-income OAS recipients 65+. For July–September 2025, the maximum monthly GIS is up to $1,097.75 for a single senior (different maxima apply to couples depending on partner benefits). 
• Allowance (age 60–64): For spouses/common-law partners of GIS recipients; maximum $1,395.73/month this quarter. 
• Allowance for the Survivor (age 60–64): For low-income survivors; maximum $1,663.81/month this quarter. 

These amounts are indexed like OAS and can change each quarter. GIS and Allowances are not taxable. 

Can You Really Get $1,400 a Month?

• CPP alone: Yes, some new retirees at 65 with top contributions can receive about $1,433/month in 2025. 
• OAS alone: The maximum is $734.95 (65–74) or $808.45 (75+) for July–September 2025—not $1,400. 
• Combined OAS + CPP: Many retirees receive both. Your combined total depends on your CPP history and OAS eligibility/residency. Low-income seniors may also receive GIS, which can significantly increase total monthly income (though GIS phases out as income rises). 

September 2025 Payment Date

For both OAS and CPP, the September 2025 payment date is Thursday, September 25, 2025. Sign up for direct deposit to avoid mail delays. 

Quick-Reference Table (September 2025)

Program / Item	What’s new / key figure	Who is eligible	Notes
OAS (65–74)	$734.95/month (max)	Age 65+, residency after 18 determines full vs partial	1.0% CPI increase for Jul–Sep 2025; next +0.7% set for Oct–Dec.
OAS (75+)	$808.45/month (max)	Same as above; 10% permanent boost for 75+	Indexed quarterly; taxable; subject to recovery tax at higher incomes.
OAS Recovery Tax (clawback)	Prior-year income reference $90,997 (2024)	Applies if net world income exceeds threshold	Recovery tax evaluated through annual tax return; page uses prior-year income.
CPP (retirement at 65)	$1,433.00/month (max in 2025)	Must have contributed; start 60–70	2.6% annual CPI increase effective Jan 2025.
GIS (single)	Up to $1,097.75/month	Low-income OAS recipient 65+	Amount varies by marital status and income; not taxable.
Allowance (60–64)	Up to $1,395.73/month	Spouse/partner of a GIS recipient	Income-tested; not taxable.
Allowance for the Survivor (60–64)	Up to $1,663.81/month	Low-income surviving spouse/partner	Income-tested; not taxable.
Payment date (OAS & CPP)	September 25, 2025	All eligible recipients	Set by Service Canada; use direct deposit for fastest delivery.

How to Confirm Your Amount (And Boost it if Possible)

• Check your personalized OAS amount with the OAS Benefits Estimator, and confirm whether you qualify for GIS/Allowance. 
• Confirm your CPP entitlement in My Service Canada Account, where you can view your Statement of Contributions and run scenarios for starting at 60–70. 
• Delay tactics:
  • OAS: You can defer up to 60 months (to age 70) and earn +0.6% per month (up to +36%). 
  • CPP: Deferring past 65 increases your monthly CPP (and starting earlier reduces it). Timing is personal—consider health, work plans, cash flow and taxes. 
• Mind the clawback: If your income is near or above the OAS recovery threshold, consider tax-planning strategies (RRIF withdrawals timing, split pension income where possible, etc.) so you keep more of your OAS.

Eligibility Recap (fast checklist)

You may qualify for OAS if you:

• Are 65+, and
• Have lived in Canada long enough after age 18 (full OAS typically needs 40 years; partial may be paid with 10+ years). 

You may qualify for CPP if you:

• Have made CPP contributions, and
• Are at least 60, applying any time from 60 to 70 (amount varies with start age). 

You may qualify for GIS/Allowance if you:

• Receive OAS (for GIS),
• Are 60–64 and your spouse/partner receives GIS (for Allowance), or
• Are 60–64 and a low-income survivor (Allowance for the Survivor). 

Common misconceptions cleared up

• “CRA is raising OAS/CPP in September.”
  False. OAS/CPP are administered by Service Canada/ESDC, and increases follow CPI schedules (quarterly for OAS, annually in January for CPP). 
• “Everyone gets $1,400 in September.”
  False. The $1,433 figure is the maximum CPP at age 65 for 2025 and has been in effect since January. OAS maxima are $734.95 (65–74) and $808.45 (75+) this quarter. 
• “OAS goes down when inflation falls.”
  False. OAS does not decrease; it either increases or stays the same. 

For September 2025, the facts are straightforward:

• OAS is up 1.0% for the July–September quarter, with maximums of $734.95 (65–74) and $808.45 (75+). A further 0.7% OAS increase is scheduled for October–December 2025.
• CPP remains at its 2025 indexed level, with a maximum of $1,433.00/month at age 65, reflecting the 2.6% CPI increase implemented in January 2025.
• The September 2025 payment date for both OAS and CPP is September 25, 2025.

Understanding eligibility—age, residency (for OAS), contribution history (for CPP), and income thresholds for supplements—will help you estimate your monthly amount and plan cash flow. If you’re close to retirement or already receiving benefits, review your profile in My Service Canada Account and use the OAS estimator to confirm amounts and explore whether GIS/Allowance apply to you.

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