July 2025 is almost here, and the Social Security Administration (SSA) is preparing to send out its next round of payments. With over 73.9 million beneficiaries receiving Social Security benefits as of April 2025, the system plays a vital role in the lives of many Americans. The majority of recipients—around 52.6 million—are retired workers, while 7.4 million people currently receive Supplemental Security Income (SSI).
Not all recipients receive their benefits on the same day, as payments are issued based on a person’s birth date and the type of benefits they receive. Here’s everything you need to know about the July 2025 payment schedule and what you might expect in terms of dollar amounts.
Overview
The Social Security programs include retirement, survivor, and disability benefits, as well as SSI. These programs are essential for seniors, people with disabilities, and low-income individuals. As of now, more than one in five Americans benefit from at least one SSA program.
To ensure timely and accurate payments, the SSA has divided its distribution system into specific dates throughout the month. Those receiving benefits before May 1997 or those who also get SSI follow a slightly different schedule from the rest.
July Dates
Here’s the full schedule for Social Security and SSI payments in July 2025:
| Date | Who Gets Paid |
|---|---|
| July 1, 2025 | SSI recipients |
| July 3, 2025 | Retirees who started benefits before May 1997 or those receiving both SSI & SSA |
| July 9, 2025 | Birthdays between the 1st and 10th of any month |
| July 16, 2025 | Birthdays between the 11th and 20th |
| July 23, 2025 | Birthdays between the 21st and 31st |
This birthdate-based system helps the SSA stagger payments and reduce system overload. If you’re new to Social Security, your payments will likely fall on one of the Wednesdays of the month, depending on your date of birth.
Payment Amounts
So how much can you expect to receive? While the exact amount depends on your work history and retirement age, we do have averages to give a general idea.
In May 2025, the average Social Security retirement benefit rose to $2,002.39, crossing the $2,000 mark for the first time. This amount can be more or less depending on when you filed for retirement and your total earnings over your career.
SSI payments, which support disabled individuals and those with limited income and resources, averaged $718.30 in May 2025 for over 7.4 million recipients.
Breakdown
| Benefit Type | Average Amount (May 2025) |
|---|---|
| Retired Worker | $2,002.39 |
| SSI Recipient | $718.30 |
These figures reflect averages, not fixed payments. If you’ve earned more during your working life or waited to file closer to age 70, your benefit could be higher than the average.
What You Should Do
If you’re unsure about your payment date or want to confirm your amount, here are a few simple steps you can take:
- Log in to your account at SSA.gov for personalized benefit info
- Check your direct deposit history or mailed checks to stay on top of payments
- Set calendar reminders for your payment dates based on the schedule
- Review your earnings record regularly to ensure it’s accurate
This way, you can plan your finances ahead and avoid any surprises when July rolls around.
As the cost of living continues to shift, Social Security remains a critical source of support for millions of Americans. Whether you’re relying on these payments now or will be in the future, staying informed about your payment schedule and benefit amount is essential for financial stability.
FAQs
When is the next SSI payment?
The next SSI payment is scheduled for July 1, 2025.
Who gets paid on July 3, 2025?
Those who retired before May 1997 or receive both SSI and SSA.
How are Social Security payments scheduled?
Based on your birth date and the type of benefit you receive.
What is the average retirement benefit?
It was $2,002.39 as of May 2025, according to the SSA.
Can I check my payment info online?
Yes, by logging into your account at SSA.gov.
