CPP Payments 2026: Full Guide to CPP & OAS Payment Dates, Increases, and Calculator
Millions of Canadians rely on CPP payments 2026 and OAS benefits as their main source of retirement income. With rising inflation and living costs, many retirees and future pensioners are searching online for answers about CPP payment dates 2026, expected increases, and the maximum CPP payment in 2026.
In this complete guide, you’ll learn everything you need to know about CPP payments 2026 January, OAS payment dates, CPP disability payments, benefit increases, and how to estimate your pension using a CPP calculator.
What Is the Canada Pension Plan (CPP)?
The Canada Pension Plan (CPP) is a government retirement program that provides monthly income to eligible Canadians who contributed during their working years. CPP also includes:
- CPP retirement pension
- CPP disability benefits
- Survivor and children’s benefits
Unlike OAS, CPP payments depend on how much and how long you contributed.
---CPP Payments 2026: How Often Are They Paid?
CPP payments 2026 are issued monthly, usually on the third-to-last business day of each month. This applies across all provinces, including CPP payment dates 2026 Ontario.
---CPP Payment Dates 2026 (Official Schedule)
| Month | CPP Payment Date 2026 |
|---|---|
| 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 |
These same dates apply to CPP disability payment dates 2026 and survivor benefits.
---OAS Payment Dates 2026
The Old Age Security (OAS) pension is paid on the same schedule as CPP. If you qualify for both CPP and OAS, you’ll usually receive them on the same day.
OAS payment dates 2026 follow the exact table above.
---CPP Payment Increase 2026
One of the most searched questions is: CPP payment increase 2026. CPP benefits are adjusted every January based on inflation (Consumer Price Index).
The CPP benefit increase 2026 January is expected to be around 2%, depending on final inflation numbers.
Maximum CPP Payment 2026
The max CPP payment 2026 depends on your contribution history and the age you start collecting.
- Maximum CPP at age 65 (2026): Approximately $1,500+ per month
- Starting CPP at 60 reduces payments
- Delaying CPP until 70 increases payments
Only people who contributed the maximum for many years receive the full amount.
---CPP Disability Payment Dates 2026
CPP disability payments 2026 follow the same monthly schedule as regular CPP. Payments are deposited automatically if you’re enrolled in direct deposit.
CPP disability benefits are also adjusted annually for inflation.
---CPP Payments 2026 Calculator: How Much Will You Get?
A CPP payments 2026 calculator helps estimate your monthly pension based on:
- Your earnings history
- Years of contribution
- Age you start CPP
You can use online tools or check your estimate through your government account. You can also learn more money strategies on our site:
Gold Money Ads – Smart Money & Passive Income
---CPP vs OAS: What’s the Difference?
- CPP: Based on contributions
- OAS: Based on age and residency
- Many retirees receive both
Together, CPP and OAS form the foundation of retirement income in Canada.
---Final Thoughts on CPP Payments 2026
Understanding CPP payments 2026, OAS payment dates 2026, and expected benefit increases can help you plan a more secure retirement.
With inflation adjustments, monthly payments, and flexible start ages, CPP remains one of the most reliable income sources for Canadian retirees.
Planning today means peace of mind tomorrow.