CPP payment dates 2026: calendar, amounts and late payments
When are CPP payments made in 2026?
The next CPP payment is Thursday, 26 November 2026, as of 12 November 2026. The final 2026 payment is Tuesday, 22 December. CPP is issued monthly, but arrival can take a few days. Canada.ca has not published the 2027 payment dates yet.
Last checked 11 November 2026. Figures as of November 2026. Dollar amounts are CAD.
Use the official Canada Pension Plan calendar to plan around your pension. This guide separates payment dates, personal pension amounts and the steps to take when money has not arrived.
In this guide
- CPP payment dates 2026
- How much CPP can you receive?
- What affects your personal CPP amount?
- Direct deposit, cheques and the issue date
- What to do if your CPP payment is late
- Why the December payment needs extra planning
- CPP payment dates 2025 and the 2027 outlook
- A practical CPP calendar checklist
- Common questions
- Official sources
- Related guides
CPP payment dates 2026
The federal benefits calendar lists a CPP payment in every month of 2026. These dates cover retirement, disability, children’s and survivor payments under the Canada Pension Plan. The schedule tells you when payments are issued; it does not tell you what your own award will be.
Look at the weekday as well as the date when making a note in your calendar. A payment near the end of one month still needs to cover the period until your next payment. Avoid assuming that every month has the same gap between deposits.
November’s listed date is 26 November, followed by 22 December. Use these published dates rather than applying an end-of-month formula. An observed pattern can be useful for remembering a schedule, but the official calendar is the source for an actual date.
If you also receive Old Age Security, its listed dates are the same as CPP in 2026. The shared schedule does not make the two benefits interchangeable. Each has its own amount and rules, so keep separate entries in your household records.
| Month | Payment issue date | Weekday |
|---|---|---|
| January | 28 January 2026 | Wednesday |
| February | 25 February 2026 | Wednesday |
| March | 27 March 2026 | Friday |
| April | 28 April 2026 | Tuesday |
| May | 27 May 2026 | Wednesday |
| June | 26 June 2026 | Friday |
| July | 29 July 2026 | Wednesday |
| August | 27 August 2026 | Thursday |
| September | 25 September 2026 | Friday |
| October | 28 October 2026 | Wednesday |
| November | 26 November 2026 | Thursday |
| December | 22 December 2026 | Tuesday |
How much CPP can you receive?
The maximum CPP retirement pension at age 65 was $1,507.65 per month in January 2026. The average new retirement pension at age 65 was $858.34 per month in July 2026. These figures describe different measures and different reference months; neither is a guaranteed personal payment.
Your CPP amount depends on when you start, how much you contributed and your average earnings. Someone who sees the maximum in a headline should not put that amount into a budget without checking their own pension information. The average also cannot predict an individual entitlement.
For planning, start with your personal estimate in My Service Canada Account or the Canadian Retirement Income Calculator. The official CPP amount page identifies these estimation routes. SettleCA does not calculate an entitlement from the payment calendar or collect your contribution record.
If you receive another type of CPP benefit, do not use the retirement pension maximum as its rate. This guide’s amount comparison is specifically for retirement pensions at age 65. The common payment schedule is broader than the amount information summarised here.
| Measure | Reference period | Monthly amount (CAD) |
|---|---|---|
| Maximum retirement pension at age 65 | January 2026 | $1,507.65 |
| Average retirement pension at age 65 | July 2026 | $858.34 |
What affects your personal CPP amount?
CPP’s calculation can account for periods of lower earnings. The base component can exclude up to eight lowest-earning years, while the enhanced component uses the best 40 years. These provisions help explain why a pension is not simply the most recent wage multiplied by a fixed percentage.
The child-rearing provision may also matter to your contribution history. Pension sharing and credit splitting are further features described in the official amount guidance. They address different circumstances, so do not treat them as automatic additions to the monthly maximum.
If you are working and under 70, a post-retirement benefit may be relevant. Check the official CPP guidance against your own circumstances before making a work or retirement decision. A payment-date guide can tell you when a payment is scheduled, but cannot resolve those personal choices.
Keep the reference month beside any amount you write down. The January maximum and July average above should stay labelled that way when comparing them with your own record. A difference between your pension and an average is not, by itself, evidence of a payment error.
Direct deposit, cheques and the issue date
The official calendar says payments are issued on the listed dates and may take a few days to arrive. Posted cheques may take longer than direct deposit. Treat the date as an issue date, rather than a promise that money will be available at a particular hour.
For a direct deposit, compare the payment you expect with the entry in your account. For a cheque, remember that a mailed payment has an additional delivery stage. Neither the calendar nor SettleCA gives a guaranteed arrival time for an individual payment.
CPP and OAS account information belongs with Service Canada. CRA administers other payments, including CGEB and CCB, but a CRA direct-deposit change should not be assumed to settle your CPP record. Check the program responsible for each benefit when reviewing account details.
A useful personal record has four fields: the benefit name, scheduled date, actual arrival date and amount received. Keep private account details in your own records. You do not need to share a social insurance number, banking information or benefit statement with this website.
What to do if your CPP payment is late
The federal calendar asks people to wait five to ten business days before contacting the program. That guidance reflects the difference between issuing a payment and receiving it. A payment absent on the listed day is not enough, on its own, to identify the cause.
First, confirm you are looking at the CPP row and the right year. Then check whether the payment has actually arrived under the expected record. If you receive both CPP and OAS, avoid mistaking one amount for the other because the issue dates match.
If the payment is still missing after the official waiting period, contact the responsible program through official channels. Have your own record of the expected date and what you have checked. SettleCA cannot see payment status, change banking details or arrange a replacement cheque.
Business days are not simply consecutive calendar days. Weekends and bank closures can matter when counting a waiting period. Use the official program’s guidance for your situation instead of treating the fifth or tenth calendar day as a universal contact deadline.
Why the December payment needs extra planning
The published December CPP date is 22 December 2026, which is a Tuesday. It is earlier in the month than November’s payment on 26 November. Record the December date explicitly instead of carrying the November day number into your December budget.
An earlier issue date does not establish an extra payment or a larger pension. Separate the timing of the deposit from the amount you are entitled to receive. Your own payment record is the right place to check whether an amount has changed.
If you normally allocate money as soon as it arrives, consider the period that the December deposit must cover. This is a budgeting suggestion, rather than a benefit rule. No January 2027 CPP date is supplied here because it has not been published in the checked calendar.
Holiday information can help explain why a business-day count differs from a calendar-day count. It should not be used to rewrite the CPP schedule. Even when a calculated holiday date is known, the government still needs to publish the benefit’s payment date.
CPP payment dates 2025 and the 2027 outlook
The 2025 table is included for checking older payment records. Use its year label carefully: several day numbers are similar to the 2026 schedule, but the tables are not identical. A date from an older statement should be matched against the older calendar.
For example, the final listed CPP date is 22 December in both years. That does not establish a rule for every future December. The calendar should be read as a set of published dates rather than an algorithm for predicting a future year.
Canada.ca hasn’t published the 2027 dates yet. We’ll add them when it does. Until then, there is no official January 2027 CPP date in this guide. Avoid using an estimated date for a bill that requires certainty about when funds will be available.
When comparing benefits, remember that the CPP and OAS schedules match for the years shown here, while CRA benefits follow their own calendars. Use the master calendar to find the right program, then use the dedicated guide for the amount and timing context.
| Month | Payment issue date | Weekday |
|---|---|---|
| January | 29 January 2025 | Wednesday |
| February | 26 February 2025 | Wednesday |
| March | 27 March 2025 | Thursday |
| April | 28 April 2025 | Monday |
| May | 28 May 2025 | Wednesday |
| June | 26 June 2025 | Thursday |
| July | 29 July 2025 | Tuesday |
| August | 27 August 2025 | Wednesday |
| September | 25 September 2025 | Thursday |
| October | 29 October 2025 | Wednesday |
| November | 26 November 2025 | Wednesday |
| December | 22 December 2025 | Monday |
A practical CPP calendar checklist
Before making a plan, write down whether you need a future issue date, a personal amount estimate or help with a missing payment. These are separate questions. The calendar answers the first, the official amount guidance helps with the second, and Service Canada handles your payment record.
For a future date, copy the full day, month and year from the 2026 table. For an amount, use your own pension information rather than either headline benchmark. For a delay, keep the published waiting guidance beside the scheduled date so you can describe the problem clearly.
If you keep a household calendar for more than one person, label entries by benefit and recipient. Shared dates do not mean shared amounts. This is particularly helpful when CPP and OAS arrive on the same schedule but represent different parts of a retirement income plan.
Recheck the source when the planning year changes. This page records facts checked on 11 November 2026 and is not a live account service. A later official update can supersede the dates or figures quoted here, even when a search result still shows an older description.
Common questions
What is the next CPP payment date?
As of 12 November 2026, the next listed CPP payment is Thursday, 26 November 2026. The following payment is Tuesday, 22 December 2026.
Are CPP and OAS paid on the same day?
Yes. The checked federal calendar gives CPP and OAS the same payment dates in 2026. Their amounts and program rules remain separate.
Does everyone receive the maximum CPP amount?
No. The January 2026 maximum at age 65 is $1,507.65 a month. Your pension depends on your start age, contributions and average earnings.
When is the December 2026 CPP payment?
The published date is Tuesday, 22 December 2026. It is earlier in the month than the November payment.
How long should I wait for a missing CPP payment?
The official benefits calendar says payments may take a few days to arrive and asks people to wait five to ten business days before contacting the program. Mailed cheques may take longer than direct deposit.
Are CPP payment dates for 2027 confirmed?
Canada.ca hasn’t published the 2027 dates yet. We’ll add them when it does. This guide does not turn an observed payment pattern into a confirmed future date.
Official sources
Source record checked 11 November 2026. Figures as of November 2026. The official links below support the schedules, amounts and program distinctions in this guide.
SettleCA is an independent guide, not a government website. This is general information, not financial, tax or legal advice. Your entitlement and payment record are determined by the responsible program.