In the United States, many retired people depend on Social Security to help cover their basic needs like food, rent, and medicines. Every year, the government may increase the payment amounts to match the rising cost of living. These increases are called Cost-of-Living Adjustments (COLA). Let’s take a look at how much the average Social Security payment is for retirees in July 2025.
What Is Social Security?
Social Security is a monthly payment given to retired workers, disabled people, and some family members. You usually start getting this money after you stop working, usually at age 62 or later. The amount you get depends on how much you earned during your working years.
How Much Are Retirees Getting in July 2025?
As of July 2025, the average monthly Social Security payment for retired workers is about $1,907. This amount comes after the latest COLA of 3.2% that was added at the beginning of 2025. The COLA helps seniors keep up with rising prices for things like food, gas, and medical care.
Why Is There a Cost-of-Living Adjustment (COLA)?
Prices for everyday items usually go up over time. This is called inflation. To make sure retirees don’t lose buying power, Social Security payments are adjusted once a year based on how much prices have gone up. The government uses a special formula to decide the COLA each year.
| Topic | Details |
|---|---|
| Average Payment Amount | Retired workers will receive an average of $1,907 in July 2025. |
| Who Will Get It | Retired workers who qualify for monthly Social Security retirement benefits. |
| Payment Dates | Payments are scheduled based on birth dates: 2nd, 3rd, or 4th Wednesday of July 2025. |
| Eligibility Criteria | Must be 62 or older, meet SSA’s work credit requirements, and have filed for benefits. |
| SSDI vs Retirement Pay | SSDI (Disability) beneficiaries may receive different amounts than retirees. |
| Cost-of-Living Adjustment (COLA) | The 2025 COLA may impact the actual amount received by some beneficiaries. |
| How to Check Payment | Use My Social Security account or call SSA to confirm deposit schedule and amount. |
| Direct Deposit Timing | Most payments are directly deposited on the scheduled day, but timing may vary by bank. |
Will Payments Go Up Again in 2026?
Experts believe there will be a 2.6% COLA in 2026, which would increase the average monthly payment by about $50. However, the final number will be announced in October 2025 after checking inflation data. So, while this is not confirmed yet, seniors may see a small boost in their payments again next year.
How Can Retirees Check Their Payment Details?
Retirees can check their Social Security payment details by logging into their “my Social Security” account online at ssa.gov. They can also contact the Social Security office directly or wait for the monthly notice that arrives by mail or email.
Social Security plays a big role in helping retirees live comfortably after they stop working. In July 2025, the average payment is around $1,907, thanks to a recent COLA increase. While this helps retirees deal with the rising costs of living, future increases will depend on how inflation changes over time. Knowing how these payments work can help retirees plan better for the years ahead.
How much will retirees receive on average in July 2025?
Retired workers are expected to receive an average of $1,907.
When will I get my Social Security check in July 2025?
Payment dates depend on your birth date—typically on the 2nd, 3rd, or 4th Wednesday of the month.
Do SSDI recipients get the same amount as retirees?
No, SSDI recipients may receive different benefit amounts based on disability and work history.
Will the COLA increase affect my July 2025 payment?
If the COLA is applied for 2025, it will already be included in your monthly check.
How can I check my July Social Security payment date and amount?
Log in to your My Social Security account or call SSA at 1-800-772-1213.
