Guide
CPP payment dates (2026)
Reviewed by The Retirement Beast editorial team · figures verified against CRA / Service Canada · Updated
All 12 Canada Pension Plan deposit dates for 2026, when to expect the money, and how much CPP pays. OAS and GIS land on the same days.
Estimate your CPP2026 CPP payment schedule
CPP is deposited monthly, usually on the third-to-last business day of the month. The December payment is moved earlier for the holidays, which makes the gap to late-January the longest of the year.
| Month | Payment date |
|---|---|
| January | January 28, 2026 |
| February | February 25, 2026 |
| March | March 27, 2026 |
| April | April 28, 2026 |
| May | May 27, 2026 |
| June | June 26, 2026 |
| July | July 29, 2026 |
| August | August 27, 2026 |
| September | September 25, 2026 |
| October | October 28, 2026 |
| November | November 26, 2026 |
| December | December 22, 2026 |
Source: Government of Canada benefits calendar. OAS, GIS, and the Allowance follow the same dates.
How much is CPP?
The 2026 maximum at age 65 is $1,507.65/month, but most people receive less — the average is commonly cited around $877/month because few contribute at the ceiling for a full career. See average & maximum CPP for the full picture, and get your personal figure from My Service Canada Account.
If a payment is late
Direct deposits normally arrive on the listed date; allow a few business days for cheques or bank processing before contacting Service Canada. You can manage direct deposit and personal details through My Service Canada Account.
Frequently asked questions
When is CPP paid in 2026?
CPP is deposited monthly, usually in the last week of the month — starting January 28, 2026 and running through December 22, 2026 (December is paid earlier for the holidays). OAS and GIS are paid on the same dates.
What day of the month does CPP come?
Generally the third-to-last business day of the month, so the exact date shifts each month. Direct deposit usually arrives on the payment date; cheques can take a few extra days.
Are CPP and OAS paid on the same day?
Yes. CPP, OAS, GIS, the Allowance, and the Allowance for the Survivor all follow the same monthly schedule, so if you receive more than one they arrive together.
Is my CPP payment taxable?
Yes, CPP is taxable income and you receive a T4A(P) slip. You can ask Service Canada to withhold tax at source to avoid a bill at filing time.