In two days, millions of Social Security recipients will receive their first monthly retirement checks of 2025.

Social Security beneficiaries who were born on the 21st through the 31st of his or her respective birth month will receive his or her regular monthly check for January from the Social Security Administration on Jan. 22.

The monthly payment schedule for regular Social Security checks has three waves, all occurring on Wednesdays — or a Tuesday if that Wednesday is a federal holiday.

The distribution of payments is divided by the days of the month a recipient was born into three waves, with the Jan. 22 payment being the third wave. The first wave of payments was sent out on Jan. 8 to those born on the first through the 10th of a month, while the second wave of checks was sent out on Jan. 15 to those born on the 11th through the 20th of a month.

Social Security payments are based on the earnings throughout a retiree’s life and have no limits based on income, but the amount each check is worth depends on the age when a person retires. Citizens are eligible for Social Security beginning at 62 years old but can earn more by waiting until later to retire.

Those who retire at age 67 receive a maximum check of $4,018, while those who retire at age 62 get up to $2,831, and those who delay their retirement to age 70 get the largest payment of $5,108 per month, according to the SSA.

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The monthly Social Security payments are different from other checks given out by the SSA, such as disability insurance or Supplemental Security Income, which are sent out on a different schedule.

SSI payments are sent to recipients by the beginning of each month to those with debilitating disabilities that may affect their income.