Social Security payment schedule 2024/2025: dates you need to know

1 min read by Unbiased team Last updated June 28, 2024

Discover everything you need to know about Social Security payments for 2024 and 2025, from the basics of the benefits to managing your monthly income effectively.


  • The Social Security Administration releases an annual payment schedule, with adjustments made for the cost-of-living adjustment (COLA) to maintain purchasing power. 

  • Payments are generally made on Wednesdays, allowing beneficiaries to anticipate when funds will be available for effective budgeting. 

  • Payment dates are determined by the beneficiary’s birth date, with specific weeks allocated accordingly. 

What are Social Security payments? 

Social Security payments are a lifeline for millions of Americans, providing crucial financial support to retirees, disabled individuals, and survivors of deceased workers. These payments ensure a basic standard of living and play a vital role in retirement planning.  

The Social Security Administration (SSA) releases an annual payment schedule outlining when beneficiaries can expect their monthly payments.  

Adjustments to payment amounts are made to account for the cost-of-living adjustment (COLA).  

The Social Security 2024 payment schedule reflects a COLA of 3.2%, reflecting inflation and maintaining benefits' purchasing power. 

What is the Social Security payment schedule? 

Payments are generally disbursed based on a consistent schedule that considers the day of the week and the time of the month.  

This regularity allows beneficiaries to anticipate when funds will be available, aiding in budgeting and financial stability. 

Social Security payment dates for 2024 are again typically on Wednesdays, with the specific week determined by the beneficiary's birth date.  

How are Social Security payment dates determined? 

Payment dates for Social Security benefits depend on the beneficiary’s birth date.  

The schedule is as follows: 

  • Birth date between the 1st and 10th of the month: Payment on the second Wednesday of each month. 

  • Birth date between the 11th and 20th of the month: Payment on the third Wednesday. 

  • Birth date between the 21st and 31st of the month: Payment on the fourth Wednesday. 

Exceptions exist for certain groups, such as those who started receiving benefits before May 1997 or individuals receiving both Social Security and Supplemental Security Income (SSI). They typically receive payments on the third of each month, adjusted for weekends and holidays.  

​​2024/2025 Social Security monthly payment dates 

Social Security payment dates for 2024 and 2025 are as follows: 

January 2024 Payments 

Second Wednesday: Jan. 10 

Third Wednesday: Jan. 17 

Fourth Wednesday: Jan. 24 

February 2024 Payments 

Second Wednesday: Feb. 14 

Third Wednesday: Feb. 21 

Fourth Wednesday: Feb. 28 

March 2024 Payments 

Second Wednesday: March 13 

Third Wednesday: March 20 

Fourth Wednesday: March 27 

April 2024 Payments 

Second Wednesday: April 10 

Third Wednesday: April 17 

Fourth Wednesday: April 24 

May 2024 Payments 

Second Wednesday: April 08 

Third Wednesday: April 15 

Fourth Wednesday: April 22 

June 2024 Payments 

Second Wednesday: June 12 

Third Wednesday: June 19 

Fourth Wednesday: June 26  

July 2024 Payments 

Second Wednesday: July 10 

Third Wednesday: July 17 

Fourth Wednesday: July 24 

August 2024 Payments 

Second Wednesday: Aug. 14 

Third Wednesday: Aug. 21  

Fourth Wednesday: Aug. 28 

September 2024 Payments 

Second Wednesday: Sept. 11  

Third Wednesday: Sept. 18 

Fourth Wednesday: Sept. 25  

October 2024 Payments 

Second Wednesday: Oct. 9 

Third Wednesday: Oct. 16 

Fourth Wednesday: Oct. 23 

November 2024 Payments 

Second Wednesday: Nov. 13 

Third Wednesday: Nov. 20 

Fourth Wednesday: Nov. 27 

December 2024 Payments 

Second Wednesday: Dec. 11 

Third Wednesday: Dec. 18 

Fourth Wednesday: Dec. 24 

January 2025 Payments 

Second Wednesday: Jan. 8 

Third Wednesday: Jan. 15 

Fourth Wednesday: Jan. 22  

February 2025 Payments 

Second Wednesday: Feb. 12 

Third Wednesday: Feb. 19 

Fourth Wednesday: Feb. 26 

March 2025 Payments 

Second Wednesday: 12 March 

Third Wednesday: 19 March 

Fourth Wednesday: 26 March 

April 2025 Payments 

Second Wednesday: April 9  

Third Wednesday: April 16 

Fourth Wednesday: April 23  

May 2025 Payments 

Second Wednesday: May 14 

Third Wednesday: May 21 

Fourth Wednesday: May 28 

June 2025 Payments 

Second Wednesday: June 11 

Third Wednesday: June 18 

Fourth Wednesday: June 25 

July 2025 Payments 

Second Wednesday: July 09 

Third Wednesday: July 16 

Fourth Wednesday: July 23 

August 2025 Payments 

Second Wednesday: Aug. 13 

Third Wednesday: Aug. 20 

Fourth Wednesday: Aug. 27 

September 2025 Payments 

Second Wednesday: Sept. 10 

Third Wednesday: Sept. 17 

Fourth Wednesday: Sept. 24 

October 2025 Payments 

Second Wednesday: Oct. 08 

Third Wednesday: Oct. 15 

Fourth Wednesday: Oct. 22 

November 2025 Payments 

Second Wednesday: Nov. 12 

Third Wednesday: Nov. 19 

Fourth Wednesday: Nov. 26 

December 2025 Payments 

Second Wednesday: Dec. 10 

Third Wednesday: Dec. 17 

Fourth Wednesday: Dec. 24 

What do I do if you miss a Social Security payment? 

Occasionally, Social Security payments may not arrive as expected. If you miss a payment, follow these steps to resolve the issue: 

  1. Verify the payment date against the schedule. 

  2. Wait three business days after the expected payment date. 

  3. Contact the SSA at 1-800-772-1213 or visit a local office if the payment still needs to be made. 

  4. Check with your bank for any delays in direct deposits. 

Ensure your personal information, including your address and banking details, is up to date with the SSA. Incorrect information can lead to payment delays. 

Tips for managing Social Security benefits 

Effectively managing the money you receive on your Social Security payment dates for 2024 requires careful planning and budgeting.  

Here are some tips to help you make the most of your monthly payments: 

  • Create a budget: Start by listing all your monthly expenses, including fixed costs like rent or mortgage, utilities, groceries, and any outstanding debts. Compare these against your Social Security income to understand your financial landscape. 

  • Prioritize essential expenses: Ensure that your basic needs — such as housing, food, and healthcare — are covered first. Allocate funds for these necessities before considering discretionary spending. 

  • Set up automatic payments: To avoid late fees, set up automatic payments for recurring bills. Many banks offer this service, which can be a lifesaver for managing your finances. 

  • Build an emergency fund: Try to set aside a small portion of your monthly benefits into a savings account for unexpected expenses. Even a modest emergency fund can provide a safety net during unforeseen financial challenges. 

  • Utilize budgeting tools and services: Consider using budgeting apps or consulting with a financial advisor who specializes in retirement planning. Tools like Mint, YNAB (You Need A Budget), or the SSA's online services can help you track your spending and manage your budget effectively. 

  • Review your benefits annually: Stay informed about any changes to your Social Security benefits by reviewing your statements annually. The SSA sends out an annual statement, but you can also access this information online. 

  • Look for additional assistance programs: Depending on your financial situation, you may qualify for additional assistance programs, such as Supplemental Security Income (SSI), food assistance, or housing subsidies. These programs can help alleviate some of the financial pressures and ensure you have enough to cover your essential needs. 

Get expert financial advice 

Understanding and effectively managing your Social Security 2024 payment schedule can significantly impact your financial stability and peace of mind.  

By keeping track of the payment schedule, knowing what to do in case of missed payments, and implementing sound budgeting practices, you can make the most of your benefits in 2024 and 2025. For more detailed information, always refer to the Social Security Administration's official website or contact them directly.  

Let Unbiased connect you with a financial advisor for expert financial advice tailored to managing your Social Security benefits effectively and ensuring a secure and comfortable retirement. 


Unbiased team

Our team of writers, who have decades of experience writing about personal finance, including investing and retirement, are here to help you find out what you must know about life’s biggest financial decisions.