Your June 2025 Social Security check: When it's coming and how to plan ahead
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If you rely on Social Security to help cover your monthly expenses, you’re not alone—more than 70 million Americans count on those monthly checks to keep their finances on track.
For many households, that income plays a crucial role in covering everyday essentials.
Whether you're budgeting for groceries, paying utility bills, filling prescriptions, or setting a little aside for a well-earned summer getaway, knowing exactly when your Social Security payment will arrive can bring peace of mind and help you plan with confidence.
At The GrayVine, we know how important that sense of stability is.
That’s why we’ve put together a clear guide to the June 2025 Social Security payment schedule.
We’ll also walk you through what to do if there’s a delay, explain how benefit amounts are determined, and share a few tips to help you get the most out of each payment!
Why it’s helpful to know your payment date
For many, Social Security isn’t just another deposit—it’s a critical part of the household budget.
With prices climbing and inflation still affecting daily life, planning around your payment date helps avoid stress and gives you more control over your finances.
How the SSA decides when you get paid
The Social Security Administration (SSA) uses a simple system to spread out payments across the month.
It depends on when you started receiving benefits and your birthday:
Also read: Retirees on edge with “real and growing” anxiety about Social Security
Here’s when to expect your June 2025 Social Security payment
If your payment is late
It’s not common, but if your payment doesn’t arrive on the expected date, the SSA recommends waiting three business days before contacting them.
Weekends and federal holidays don’t count, so be sure to check the calendar before calling!
Also read: Will your Social Security checks get bigger? The truth behind the GOP tax bill
How much can you expect to receive?
The amount you receive each month depends on your work history and the age you began claiming. Here are the maximum retirement benefit amounts for 2025:
Most people receive less than the maximum.
As of January 2025, the average monthly benefit is $1,976.
What about SSI payments?
For those receiving Supplemental Security Income (SSI), the maximum monthly payment in 2025 is:
Actual payments may be lower depending on your income and living situation.
Also read: Your Social Security payment didn’t arrive? Here’s what to do next
What’s behind the yearly changes?
Social Security benefits go up a little each year to help keep up with the cost of living.
This increase, known as the Cost of Living Adjustment (COLA), was 2.5% at the beginning of 2025.
It’s based on inflation data from the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).
Looking ahead, early estimates suggest a 2.3% COLA for 2026, but the official number won’t be released until October.
Also read: Could a $4,000 tax break be coming for Social Security recipients?
Tips to help manage your benefits
Read next: Could tariffs boost or shrink your Social Security COLA?
How do you keep track of your payments? Have you experienced any delays—or do you have any advice for those newly claiming benefits? Feel free to share your story in the comments below.!
For many households, that income plays a crucial role in covering everyday essentials.
Whether you're budgeting for groceries, paying utility bills, filling prescriptions, or setting a little aside for a well-earned summer getaway, knowing exactly when your Social Security payment will arrive can bring peace of mind and help you plan with confidence.
At The GrayVine, we know how important that sense of stability is.
That’s why we’ve put together a clear guide to the June 2025 Social Security payment schedule.
We’ll also walk you through what to do if there’s a delay, explain how benefit amounts are determined, and share a few tips to help you get the most out of each payment!
Social Security payments are a vital source of income for millions of older Americans, helping cover everyday essentials like groceries, utilities, and healthcare. Image Source: YouTube / Fox Business.
Why it’s helpful to know your payment date
For many, Social Security isn’t just another deposit—it’s a critical part of the household budget.
With prices climbing and inflation still affecting daily life, planning around your payment date helps avoid stress and gives you more control over your finances.
How the SSA decides when you get paid
The Social Security Administration (SSA) uses a simple system to spread out payments across the month.
It depends on when you started receiving benefits and your birthday:
- If you started receiving Social Security before May 1997, or you receive both Social Security and SSI, you follow a different schedule.
- If you started receiving Social Security after May 1997, your birthday determines your payment date.
Also read: Retirees on edge with “real and growing” anxiety about Social Security
Here’s when to expect your June 2025 Social Security payment
- Tuesday, June 3 – For those who began receiving benefits before May 1997 or who get both Social Security and SSI.
- Wednesday, June 11 – For birthdays between the 1st and 10th.
- Wednesday, June 18 – For birthdays between the 11th and 20th.
- Wednesday, June 25 – For birthdays between the 21st and 31st.
If your payment is late
It’s not common, but if your payment doesn’t arrive on the expected date, the SSA recommends waiting three business days before contacting them.
Weekends and federal holidays don’t count, so be sure to check the calendar before calling!
Also read: Will your Social Security checks get bigger? The truth behind the GOP tax bill
How much can you expect to receive?
The amount you receive each month depends on your work history and the age you began claiming. Here are the maximum retirement benefit amounts for 2025:
- At age 62: Up to $2,831
- At full retirement age (67): Up to $4,018
- At age 70: Up to $5,108
Most people receive less than the maximum.
As of January 2025, the average monthly benefit is $1,976.
What about SSI payments?
For those receiving Supplemental Security Income (SSI), the maximum monthly payment in 2025 is:
- $967 for individuals
- $1,450 for couples
Actual payments may be lower depending on your income and living situation.
Also read: Your Social Security payment didn’t arrive? Here’s what to do next
What’s behind the yearly changes?
Social Security benefits go up a little each year to help keep up with the cost of living.
This increase, known as the Cost of Living Adjustment (COLA), was 2.5% at the beginning of 2025.
It’s based on inflation data from the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).
Looking ahead, early estimates suggest a 2.3% COLA for 2026, but the official number won’t be released until October.
Also read: Could a $4,000 tax break be coming for Social Security recipients?
Tips to help manage your benefits
- Use direct deposit: It’s the safest and fastest way to receive your payments.
- Mark your calendar: Knowing your exact payment date can help you plan bills and expenses more easily.
- Be alert for scams: The SSA will never call, text, or email you asking for your Social Security number or bank info.
- Review your statement yearly: It’s a good idea to double-check for any errors in your earnings history or benefit amounts.
Read next: Could tariffs boost or shrink your Social Security COLA?
How do you keep track of your payments? Have you experienced any delays—or do you have any advice for those newly claiming benefits? Feel free to share your story in the comments below.!
