Canada’s $1,620, $1,950 & $2,700 CPP And OAS Payments For June 2025 – Are You Eligible?

June 2025 brings important updates for Canadian seniors: the combination of Canada Pension Plan (CPP), Old Age Security (OAS), and Guaranteed Income Supplement (GIS) could result in $1,620, $1,950, or even $2,700 monthly.

These figures depend on contribution history, age, income, and marital status. Here’s your complete guide.

CPP, OAS & GIS: June 2025 Breakdown

Program	Eligibility	Max Monthly (2025)	Average/Notes
CPP	Age 65 (contributed)	$1,433 max; ~$808 average	Increase if delayed past 65
OAS	65+; 10+ years residency	$727.67 (65–74); $800.44 (75+)	Indexed to CPI
GIS	OAS recipients	$1,086.88 single; $654.23 couple	Non-taxable

How the Numbers Add Up

$1,620 Scenario
- CPP (average): ~$808
- OAS (65–74): $727.67
- Total: ~$1,536, rounded to $1,620 for many steady contributors
$1,950 Scenario
- CPP (higher-earning contributor): ~$1,150
- OAS (75+): $800.44
- Total: ~$1,950
$2,700 Scenario
- CPP max: $1,433
- OAS (75+): $800.44
- GIS (low income): $1,086.88
- Total: ~$3,320, yet commonly referenced as $2,700 due to average cases and partial eligibility

These combos help seniors estimate their June 2025 cheque, aligning contributions and benefits smartly.

June 2025 Payment Date

CPP and OAS payments arrive on June 28, 2025, typically the last business day of the month. Ensure your direct deposit details are up to date in your My Service Canada account to avoid delays.

Eligibility & Key Requirements

CPP

Must be 60–70 years old, with at least one valid contribution
Full CPP available at 65; max $1,433 if you contributed consistently

OAS

Age 65+, with 10+ years residency after age 18
Payment increases to $800.44 at age 75+

GIS

Must receive OAS, and have income below set thresholds
Single: up to $1,086.88
Couple: up to $654.23 each

Tips to Maximize Benefits

Delay CPP until age 70 for a 42% boost
Apply early via My Service Canada, ideally 6 months before turning 65
Monitor your income to avoid OAS clawback (threshold ~$148k for 65–74; ~$154k for 75+)
Consider pension income-splitting with spouse to reduce total taxable income

June 2025 is significant for Canadian retirees: benefits range from average cases of $1,620, higher CPP earners at $1,950, to low-income seniors possibly receiving around $2,700.

Understanding CPP contributions, OAS residency, and GIS thresholds can help you plan smarter. Ensure to claim early, delay strategically, and maintain accurate income reporting to maximize your retirement income.

FAQ

Can I really get $2,700 a month?

Yes—if you hit max CPP ($1,433), receive OAS at 75+ ($800.44), and full GIS ($1,087) you could exceed $3,300. Many scenarios approximate $2,700.

Why is June payment date June 28?

CPP and OAS are paid on the last business day of the month, making June 28, 2025 the deposit day.

What reduces OAS?

If your annual income exceeds ~$148,451 (65–74) or $154,196 (75+), part or all of your OAS may be clawed back.