Social Security payments for April 2025 will be distributed based on two key factors: when you started receiving benefits and your birthday. Here’s everything you need to know about when your payment will arrive:
Social Security Payment Schedule for April 2025
- April 3, 2025: Payments for those who started collecting Social Security benefits before May 1997.
- April 9, 2025 (Second Wednesday): Payments for those born between the 1st and 10th of any month who started receiving benefits after April 1997.
- April 15, 2025 (Adjustment): For those born between the 11th and 20th of any month. The original payment date of April 16 is brought forward to April 15 due to the Washington D.C. holiday.
- April 23, 2025 (Fourth Wednesday): Payments for those born between the 21st and 31st of any month.
Consider Switching to Direct Deposit
The Social Security Administration (SSA) encourages all recipients to consider direct deposit for faster access to their funds. With direct deposit, the money will appear in your account on the same day it is sent. If you use the Social Security prepaid card, your payment will be automatically loaded to your card.
How Much Could You Receive in 2025?
The amount you receive in Social Security benefits depends on several factors, most notably your income history and the age at which you begin collecting benefits.
- Retirement at 62: If you retire at age 62, you’ll receive 30% less than the amount you would get if you wait until your Full Retirement Age (FRA), which for most people is 67.
- Retirement at 67: If you retire at 67, you will receive 100% of the benefits calculated based on your 35 highest earning years.
- Retirement at 70: If you delay your retirement until 70, the SSA rewards you with an additional 24% on top of the benefits you would receive at age 67.
Here are the maximum amounts for 2025:
- $2,831 per month for those who retire at age 62.
- $4,018 per month for those who retire at age 67.
- $5,108 per month for those who retire at age 70.
FRA (Full Retirement Age) and How It Affects Your Benefits
- FRA is the age when you are entitled to 100% of your Social Security benefits. For most people born after 1960, the FRA is 67. If you were born earlier, your FRA could be 66 or 66 and months.
- If you start collecting before your FRA, your benefit amount will be reduced. If you delay your retirement, your benefits will increase.
However, there is no one-size-fits-all rule. You may choose to start at 62 if you need the money, or you may want to delay until 70 to maximize your benefits. The decision should depend on your personal situation, including your health and financial needs.
How to Estimate Your Social Security Benefits
The SSA has a tool on its website (ssa.gov) that helps you calculate your benefits based on your actual income. But the most useful tool is creating a “My Social Security“ account.
In your account, you can get personalized estimates based on your income history, which will help you plan for your retirement without any surprises. It’s a free, secure, and quick process that takes less than 10 minutes.