If you depend on Social Security to pay your rent, buy groceries, or just keep the lights on, this is the update you’ve been waiting for. The Social Security Administration (SSA) has confirmed its full payment schedule for July 2025, and whether you receive SSI, SSDI, or retirement benefits, you’ll want to know the exact day your money will land.
Payments will hit bank accounts between July 1 and July 23, depending on your benefit type, your birthday, and when you first filed. Knowing your deposit date means better planning—and peace of mind.
The Full Social Security Payment Schedule for July 2025
Here’s how it breaks down:
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July 1: This is payday for anyone receiving Supplemental Security Income (SSI) only.
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July 3: If you started collecting Social Security before May 1997, or if you receive both SSI and Social Security, this is your deposit date.
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July 9: This is the second Wednesday of the month. If your birthday falls between the 1st and 10th, expect your check today.
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July 16: Third Wednesday. If your birthday is between the 11th and 20th, your payment arrives now.
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July 23: Fourth Wednesday. Anyone with a birthday between the 21st and 31st gets paid today.
This structure helps the SSA manage millions of monthly payments smoothly. Once you know your payment group, your schedule stays the same every month.
How Much Will You Get in July?
The SSA began 2025 with a 2.5% cost-of-living adjustment (COLA), which bumped average benefits across the board:
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Retirees: Average payment is now about $1,976/month
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SSI Recipients: Maximum monthly benefit is $967 for individuals
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Couples on SSI: Up to $1,450 per month
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High earners with delayed retirement: Can receive up to $5,108
Actual payments vary based on your earnings history, filing age, and state-specific supplements.
What’s New This Month? Overpayment Withholding Begins
Starting in late July, SSA will begin withholding up to 50% of checks for anyone who received an overpayment notice after April 25, 2025, and hasn’t responded. This move is part of a stricter overpayment recovery policy.
If you’re in that group and you didn’t request a waiver or payment plan, your July check could be cut in half. This affects retirees, disabled workers, and survivors—not SSI-only recipients.
Didn’t Get Paid? Here’s What to Do
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Wait until at least the day after your scheduled deposit to contact SSA.
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If your payment is late or missing, call 1-800-772-1213 or check your my Social Security account.
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For mailed checks, wait three business days before reporting it missing.
Be sure to keep your bank info up to date, especially with the ongoing shift away from paper checks and toward digital payments.
Final Word
Knowing exactly when your Social Security payment arrives helps you plan smarter—and avoid stress. Whether you’re due a $967 SSI payment or a $5,000 retirement check, July’s calendar is crystal clear once you know your group.
