Millions of retirees across the U.S. are eagerly awaiting their next Social Security payment, and for some, it’s right around the corner. If you were born between the 1st and 10th of any month and started collecting benefits at 62, mark your calendar for April 9 — that’s when the Social Security Administration (SSA) is rolling out the next round of payments.
And yes, it includes the 2.5% COLA boost that kicked in back in January.
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Payouts
So, how much money are we talking about here? If you retired at age 62, your April 2025 SSA check is expected to average $2,831 per month. That already includes the 2.5% cost-of-living adjustment (COLA) that was applied to help keep pace with inflation and the rising cost of living.
You don’t need to do anything to get this increase — it’s automatically added to your monthly deposit.
But here’s where it gets interesting: if you held out until your full retirement age (67), your monthly payment could rise to $3,822. And for those who delayed benefits all the way to age 70? You’re looking at a max payout of $5,108.
Here’s a quick breakdown:
| Retirement Age | Monthly Payment (2025) |
|---|---|
| 62 | $2,831 |
| 67 (Full Retirement) | $3,822 |
| 70 (Delayed Retirement) | $5,108 |
Increase
The 2.5% COLA in 2025 might not sound like a game-changer, but it adds up. These adjustments are designed to protect the purchasing power of retirees as everyday costs — from groceries to gas — continue climbing.
COLA changes kick in every January, and while the percentage varies year to year depending on inflation trends, the goal remains the same: to help seniors maintain a decent standard of living.
Schedule
The SSA distributes payments based on birthdates. If you’re new to this system or still getting the hang of it, here’s how it breaks down:
- Born 1st–10th: Paid second Wednesday (April 9 in this case)
- Born 11th–20th: Paid third Wednesday
- Born 21st–31st: Paid fourth Wednesday
So, if your birthday is between the 1st and 10th, you’re up next.
Updates
Aside from COLA, 2025 brings other Social Security updates worth noting. The taxable earnings cap has increased to $176,100, which means high-income earners will contribute more into the system this year.
Additionally, gradual changes to full retirement age are being implemented. This is part of SSA’s long-term strategy to keep the system financially sound. These changes mostly affect those born after 1960, pushing full retirement slightly beyond 67 in some cases.
These tweaks might seem small now, but they’re designed to ensure the system stays afloat and fair for future generations.
Strategy
Not sure when to start collecting Social Security? It’s a personal choice, but knowing the numbers can help. Retiring early means smaller checks for a longer time. Waiting means fewer checks, but each one’s bigger. It’s kind of like choosing between a drip of coffee now or a venti later.
If you’re still working or unsure what’s best for your finances, talking to a financial advisor might help you time your retirement in a way that gives you the most bang for your buck.
April 2025 brings both familiar routines and meaningful updates to Social Security. For those getting paid on April 9, expect that nice COLA increase to show up automatically. And for those planning ahead, keep tabs on how your birthday and retirement age affect your benefits. Knowing the game can help you play it better.
FAQs
When is the April 2025 SSA payment?
April 9, 2025, for those born 1st–10th of the month.
What is the 2025 COLA increase?
The COLA for 2025 is a 2.5% increase in monthly benefits.
How much will I get if I retired at 62?
You’ll receive around $2,831 per month in 2025.
What’s the max SSA benefit in 2025?
Up to $5,108 per month if retiring at age 70.
Who gets paid April 9, 2025?
Retirees born between the 1st and 10th of any month.
