If you’re wondering when your Social Security check will arrive in June 2025, you’re not alone. Millions of Americans rely on this important support, whether for retirement, disability, or family benefits. Here’s a simple guide to help you know exactly when to expect your payment and how much you might receive.
Social Security Payment Dates in June 2025
Social Security payments are based on your birthday. Here’s how it breaks down for June 2025:
- If your birthday is between the 1st and 10th of the month, your payment will arrive on Wednesday, June 11th.
- For birthdays from the 11th to the 20th, expect your payment on Wednesday, June 18th.
- If you were born between the 21st and 31st, your payment will come on Wednesday, June 25th.
These dates are business days, so no worries about weekend or holiday delays. There’s one special group of recipients — those who claimed retirement benefits before May 1997 — who will receive their payment on June 3rd.
What Is the Maximum Social Security Payment in June 2025?
The highest possible monthly payment is $5,108. But this is reserved for a very specific group of people: those who waited until age 70 to claim benefits and who paid the maximum Social Security taxes for at least 35 years. Waiting until age 70 allows these individuals to earn delayed retirement credits, increasing their monthly check significantly.
What Is the Average Social Security Payment?
As of April 2025, the average monthly Social Security payment was just under $2,000 ($1,999.97). With the 2.5% cost-of-living adjustment (COLA) already applied, it’s very likely the average will exceed $2,000 in June. This is good news for many recipients, reflecting adjustments for inflation.
How Is the Maximum Payment Calculated?
The calculation is straightforward:
- The full benefit at age 67 (for those born in 1960 or later) with maximum earnings is about $4,043.
- For each year you delay past age 67, you get an 8% increase. Waiting three years (until 70) adds roughly 24%.
- Multiply $4,043 by 1.24, and you get about $5,013. Minor adjustments bring this to the confirmed $5,108 maximum monthly benefit.
Important: Social Security Retirement vs. Supplemental Security Income (SSI)
Remember, Social Security retirement benefits are different from SSI (Supplemental Security Income). SSI has its own rules and lower maximum payments ($967 for individuals and $1,450 for couples in 2025). This guide focuses only on traditional Social Security retirement payments.