Canadian seniors rely on the Old Age Security (OAS) pension for steady, predictable income.
In 2025, payments continue to be indexed every quarter to help keep pace with inflation, while those aged 75+ benefit from the permanent 10% increase to their base OAS.
Many seniors will see amounts around $808/month in earlier 2025 quarters, with modest changes later in the year due to indexation.
Below, you’ll find the full 2025 OAS deposit schedule, typical monthly maximums by age group, and a simple explanation of the OAS Payment recovery tax (clawback)—all in one place so you can plan your budget with confidence.
2025 OAS Payment Deposit Dates (Direct Deposit/Cheque)
OAS Payment is paid once per month. Most seniors receive funds by direct deposit on the date listed; cheques can arrive a few days later due to mail timelines.
2025 OAS Payment Deposit Calendar
| Month | Deposit Date |
|---|---|
| January | Jan 29, 2025 |
| February | Feb 26, 2025 |
| March | Mar 27, 2025 |
| April | Apr 28, 2025 |
| May | May 28, 2025 |
| June | Jun 26, 2025 |
| July | Jul 29, 2025 |
| August | Aug 27, 2025 |
| September | Sep 25, 2025 |
| October | Oct 29, 2025 |
| November | Nov 26, 2025 |
| December | Dec 22, 2025 |
Tip: Set up direct deposit to avoid postal delays and ensure your OAS Payment lands on the exact date.
$808 Will You Receive In 2025?
Your OAS Payment depends on years of residency in Canada after age 18 and your net income.
Payments are indexed quarterly (Jan–Mar, Apr–Jun, Jul–Sep, Oct–Dec), so maximums can shift slightly during the year.
Typical 2025 OAS Payment Maximums
| Age Group | Typical Monthly Maximum (2025) | Notes |
|---|---|---|
| 65–74 | Low–mid $700s (around the $740 range in late 2025) | Adjusted each quarter for inflation |
| 75+ | Around $808/month in early 2025, modestly higher in later quarters | Includes 10% increase starting at age 75 |
Key points
- Indexation protects purchasing power by adjusting amounts every three months.
- If you turn 75 in 2025, you move to the higher 75+ rate starting the month after your 75th birthday—no new application needed.
- Actual payment may be lower than the maximum if you have fewer than 40 years of residency after age 18 in Canada.
Understanding The OAS Payment Recovery Tax (Clawback)
The OAS Payment recovery tax can reduce your monthly amount if your net world income exceeds the annual threshold.
In 2025, the clawback typically begins in the mid-$90,000 income range and phases out some or all of OAS Payment as income rises.
Practical planning tips
- Track RRIF/RRSP withdrawals, capital gains, and investment income—they can push you above the threshold.
- Consider adjusting withholdings or installments if you expect to owe recovery tax.
- A lower income in the following year can restore more of your OAS Payment.
Make Sure You Never Miss An OAS Payment
- Enroll in direct deposit and keep your banking info current.
- Update address and marital status promptly to avoid processing delays.
- If you become 75 this year, verify the automatic increase appears on the payment after your birthday month.
The 2025 OAS Payment landscape is straightforward: monthly payments arrive on a predictable schedule from January 29 through December 22, with quarterly indexation safeguarding seniors’ purchasing power.
Many Canadians 75+ see about $808/month in early 2025, while those 65–74 receive slightly less, typically in the low–mid $700s.
Stay on top of direct deposit details, watch your income to avoid unexpected clawback, and remember that OAS Payment adjusts every quarter—helping your retirement income better keep pace with inflation.
FAQs
Why does everyone quote “$808**” for 2025 OAS Payment?**
Because the 75+ maximum in early 2025 rounds to about $808/month. With quarterly indexation, amounts can nudge slightly higher later in the year.
I just turned 75—when do I get the higher amount $808?
You receive the 75+ rate starting the month after your 75th birthday. There’s no need to reapply.
Can my OAS Payment change again in 2025?
Yes. OAS Payment is indexed quarterly, so it can change every three months based on inflation.
