CPP payment dates 2026
Next payment: Thursday, November 26, 2026 (CPP, OAS and GIS) in 28 days
The Canada Pension Plan pays out once a month, on the third-to-last business day. Old Age Security lands on the same dates, so if you collect both they arrive together. Here is the full 2026 schedule — plus how the dates are set and what the annual inflation increase means for your cheque.
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| Month | Payment date | Day |
|---|---|---|
| January | January 28, 2026 | Wednesday |
| February | February 25, 2026 | Wednesday |
| March | March 27, 2026 | Friday |
| April | April 28, 2026 | Tuesday |
| May | May 27, 2026 | Wednesday |
| June | June 26, 2026 | Friday |
| July | July 29, 2026 | Wednesday |
| August | August 27, 2026 | Thursday |
| September | September 25, 2026 | Friday |
| October | October 28, 2026 | Wednesday |
| November | November 26, 2026 | Thursday |
| December | December 22, 2026 | Tuesday |
Source: Service Canada benefits payment calendar, checked October 29, 2026. Dates apply to CPP, OAS, GIS, and CPP disability and survivor benefits. Payments after the listed date may indicate a cheque in the mail rather than direct deposit.
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Didn't get your CPP payment?
- Check the date. Deposits land on the dates above, usually overnight; a weekend or holiday can move the date, which this page already reflects. Some banks post government deposits late in the day.
- Direct deposit: allow one full business day after the date, and confirm with your bank that nothing changed on their side (a closed or renumbered account is the usual cause). Cheque: allow 10 business days for Canada Post before reporting it.
- Look in My Service Canada Account. It shows the payment issued, the amount, where it was sent, and any notice that paused it (an unfiled tax return, a review, or an address that bounced). Sign in.
- Then call Service Canada: 1-800-277-9914 (TTY 1-800-255-4786), weekdays. Have your SIN ready. A missing cheque can be traced and reissued; a deposit sent to a closed account is returned and re-sent once you update your banking.
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How CPP payment dates are set
CPP is deposited on the third-to-last business day each month, so the exact date shifts with weekends and holidays — December pays earlier.Service Canada deposits the Canada Pension Plan on the third-to-last business day of each month. Because that rule depends on weekends and statutory holidays, there is no single fixed calendar date — the deposit usually falls between the 22nd and the 29th. December is the exception: the payment is moved earlier (December 22 in 2026) so it arrives before the holidays.
- Direct deposit puts the money in your account on the payment date itself.
- Cheques by mail can take several extra business days to arrive — one reason to switch to direct deposit through My Service Canada Account.
- CPP and OAS share the schedule, so a combined CPP + OAS payment lands as a single deposit on the same day.
The 2026 inflation increase
CPP is indexed to inflation every January, permanently raising payments — the 2026 maximum at 65 is $1,507.65 a month, though most receive less.CPP is indexed to the Consumer Price Index every January, so your payment rises with inflation at the start of each year — and the increase is permanent. The maximum CPP retirement pension at age 65 is $1,507.65 per month for 2026. Most Canadians receive well under that, because the maximum requires roughly 39 years of contributions at the yearly maximum. The amount you personally receive also depends on the age you started CPP: starting before 65 permanently reduces each cheque, and delaying toward 70 permanently increases it.
Not sure when to start CPP?
See how taking CPP at 60, 65, or 70 changes your monthly amount and lifetime total, and find your personal breakeven age.
Related guides and tools
The pages people read next: OAS dates and amounts, the survivor and disability benefits paid on these dates, next year's increases and the two calculators.- OAS payment dates and this quarter's amounts
- CPP survivor's pension and the CPP death benefit
- CPP disability benefit
- Guaranteed Income Supplement (GIS)
- CPP increase for January 2027 and the OAS increase for 2027
- 2027 TFSA, RRSP and CPP limits
- When to take CPP calculator and the OAS clawback calculator
- Every payment date as a calendar feed for Apple, Google and Outlook
Frequently asked questions
Quick answers on CPP timing, whether CPP and OAS arrive together, the 2026 increase, and what to do if a payment is late.When is the next CPP payment in 2026?
The next CPP payment is Thursday, November 26, 2026. CPP is paid once a month, on the third-to-last business day, and every 2026 date is listed in the table above — the highlighted row is the next upcoming payment.
What are the CPP payment dates for 2026?
The 2026 CPP payment dates are January 28, February 25, March 27, April 28, May 27, June 26, July 29, August 27, September 25, October 28, November 26, December 22. OAS and GIS are deposited on the same days.
When will the 2027 CPP payment dates be published?
Service Canada usually posts the next year's CPP and OAS schedule in late autumn, on its benefits payment calendar. This page reads that calendar every day and adds the 2027 dates to the table automatically the day they appear — we never estimate them. Until then, expect the same pattern: the third-to-last business day of each month, with December paid a few days early.
When is CPP paid this month?
The October CPP payment has already gone out (it was Wednesday, October 28, 2026). The next CPP and OAS payment is Thursday, November 26, 2026. If yours did not arrive, see "Didn't get your CPP payment?" above.
Are CPP survivor benefits paid on the same date?
Yes. Service Canada's payment calendar says the CPP dates cover the retirement pension and the disability, children's and survivor benefits, so a CPP survivor's pension or a combined survivor-and-retirement payment arrives on the same day as everyone else's CPP. The CPP death benefit is a one-time payment and is not on this schedule.
Are CPP and OAS paid on the same day?
Yes. The Canada Pension Plan and Old Age Security are deposited on the same date each month, so if you receive both they arrive together. The dates in the table apply to CPP, OAS, GIS, and the CPP disability and survivor benefits alike.
What day of the month is CPP deposited?
There is no fixed calendar date — Service Canada pays CPP on the third-to-last business day of each month, so the exact day shifts depending on weekends and holidays. It usually falls in the last week of the month, between roughly the 22nd and the 29th.
Did CPP payments go up in 2026?
Yes. CPP is indexed to the Consumer Price Index every January, so payments rose with inflation at the start of 2026. The maximum CPP retirement pension at age 65 is $1,507.65 per month (January 2026), while the average new pension at 65 is $858.34 (July 2026) — most people receive well under the maximum because it requires close to 39 years of maximum contributions.
Why has my CPP payment not arrived on the payment date?
If you use direct deposit, the money is in your account on the payment date. If you still receive a cheque by mail, it can take several business days longer to arrive. If a direct-deposit payment is more than one business day late, contact Service Canada.
What time of day is CPP deposited?
Service Canada sends the payment for the scheduled date; your bank decides when it posts. Most banks show the deposit overnight or in the early hours of the payment date, and a few post it the evening before. If it is not showing by the end of the payment date, check with your bank first, then Service Canada.
When is the December 2026 CPP payment?
Tuesday, December 22, 2026 — earlier than the usual last-week pattern because of the Christmas holidays. The same date applies to OAS and GIS. The first payment of 2027 will follow the same third-to-last-business-day rule once Service Canada publishes the 2027 schedule; this page updates automatically when it does.
Educational reference, not financial advice. Always confirm dates and amounts with Service Canada. CPP figures reflect 2026 rules (maximum $1,507.65/month at age 65).
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