If you’re a retiree eagerly checking your bank account, circle July 9, 2025, on your calendar. That’s the day when millions of Social Security recipients born between the 1st and 10th of any month will see their monthly benefit land in their accounts. With the 2025 Cost-of-Living Adjustment (COLA) already factored in, this month’s check could feel a bit more generous — but just how much will you get? We’ve got the full breakdown of what to expect and how your payment is calculated.
Who’s Getting Paid on July 9?
The Social Security Administration pays benefits on a staggered schedule, based on your birthday. If your birth date falls between the 1st and 10th, and you filed for benefits after May 1997, your check will be deposited on Wednesday, July 9, 2025. This applies to both retirees and disabled workers under the Social Security Disability Insurance (SSDI) program.
If you filed earlier or receive Supplemental Security Income (SSI), your payment likely arrived earlier in the month, typically on July 1 or July 3.
How Much Will You Receive?
Thanks to a 2.5% COLA increase for 2025, most Social Security beneficiaries are seeing slightly larger checks compared to last year. Here’s what you can expect this week:
-
The average retired worker will receive around $2,000 in July 2025.
-
Those on SSDI (Social Security Disability Insurance) can expect about $1,582.
-
Survivor beneficiaries will get roughly $1,567.
These figures reflect national averages. Your actual payment depends on your work history, the age you filed for benefits, and any additional income you may have reported.
For those who delayed retirement until age 70 and earned high wages throughout their career, the maximum monthly benefit can reach up to a staggering $5,108 in 2025. However, very few people qualify for this amount — it requires 35 years of high earnings and waiting until the latest possible age to file.
When Will the Money Hit Your Account?
Most payments are deposited at midnight Eastern Time. So if you’re in line to receive benefits on July 9, you could see the deposit hit your account late Tuesday night or early Wednesday morning. If your payment doesn’t appear by the end of the day, wait 24 hours, then contact your bank or the Social Security Administration directly at 1-800-772-1213.
You can also track your benefits by logging into your mySocialSecurity account, which shows payment history, upcoming payments, and more.
Why It Matters
With inflation still lingering and the cost of everyday essentials continuing to rise, even modest increases to Social Security payments make a big difference. July’s payment reflects the 2025 COLA increase, which, while smaller than in recent years, helps offset higher prices for groceries, utilities, and medical care.
For many retirees, especially those on fixed incomes, understanding exactly when and how much they’ll receive can make all the difference in budgeting and planning for the month ahead.
Bottom Line
If your birthday falls between the 1st and 10th, and you filed for benefits after May 1997, your July 9 Social Security payment is on the way. Most retirees can expect about $2,000, while SSDI recipients and survivors will receive slightly less. If you’re eligible for the maximum benefit, your check could be more than double that.
Be sure to check your account on the morning of July 9—and know your rights if the payment is delayed.
