Last Updated On 5 July 2026, 10:16 AM EDT (Toronto Time)
July 2026 marks the start of a new year for most CRA benefit payments, and virtually every income-tested payment Ontario residents rely on is increasing this month.
The Canada Revenue Agency has applied a confirmed 2% inflation indexation to family and provincial credits, while advance payments for lower-income workers arrive with higher amounts reflecting 2.7% indexation over the previous cycle.
All income-tested benefits are now recalculated using your 2025 tax return rather than 2024, which means your July payment could be higher or lower than your June deposit depending on changes in your household income between those two years.
This article covers every confirmed upcoming CRA benefit payment and related provincial payment for residents during the rest of July 2026, including exact dates, updated maximum amounts, income thresholds, eligibility rules, and all payment dates through June 2027 under each program.
Table of Contents
Ontario Trillium Benefit (Increased)
The first Ontario Trillium Benefit payment of the new benefit year is scheduled for Friday, July 10, 2026.
This deposit launches the July 2026 to June 2027 benefit year, which means amounts are now calculated using your 2025 income tax return and reflect updated inflation indexation.
The OTB is a tax-free monthly payment that combines three Ontario credits: the Ontario Energy and Property Tax Credit, the Northern Ontario Energy Credit, and the Ontario Sales Tax Credit.
Several OTB component maximums have increased through 2% annual indexation for the new benefit year.
Updated OTB Maximums for July 2026 to June 2027
| OTB Component | Previous Maximum | New Maximum (2026-2027) |
| Ontario Sales Tax Credit (per adult/child) | $371/year | $378/year |
| OEPTC (adults 18 to 64) | ~$1,281/year | ~$1,307/year |
| OEPTC (seniors 65+) | ~$1,459/year | ~$1,488/year |
The lump sum threshold has also increased from $360 to $500 for the new benefit year.
If your total annual OTB entitlement is $500 or less, you will receive your full benefit as a single payment in July rather than monthly installments.
To qualify, you must have been an Ontario resident on December 31, 2025, and must have completed Form ON-BEN when filing your 2025 tax return to claim the OEPTC and NOEC components.
The Ontario Sales Tax Credit is calculated automatically from your tax return without a separate application.
All OTB Payment Dates July 2026 to June 2027
- July 10, 2026
- August 10, 2026
- September 10, 2026
- October 9, 2026
- November 10, 2026
- December 10, 2026
- January 8, 2027
- February 10, 2027
- March 10, 2027
- April 9, 2027
- May 10, 2027
- June 10, 2027
When the 10th falls on a weekend or statutory holiday, the CRA deposits the payment on the last business day before the 10th.
Advanced Canada Workers Benefit (Increased)
The first ACWB installment of the new advance cycle arrives on Friday, July 10, 2026, on the same date as the OTB.
The Advanced Canada Workers Benefit delivers up to 50% of your estimated annual Canada Workers Benefit in three advance quarterly payments so lower-income workers do not have to wait until tax-filing season to receive the full amount.
The CRA has confirmed that the July advance payments reflect a 2.7% inflation indexation over the 2024 figures, raising the maximum basic CWB from $1,590 to $1,633 for single workers and from $2,739 to $2,813 for families.
Workers who hold a valid Disability Tax Credit certificate also receive the CWB disability supplement of up to $843 per year on top of the basic benefit.
ACWB Maximum Installment Amounts
| Category | Max Annual CWB | Max Per ACWB Installment |
| Single workers | $1,633 | ~$272 |
| Families | $2,813 | ~$468 |
| Disability supplement (additional) | $843 | ~$140 |
To qualify for the ACWB, you must be a Canadian resident for tax purposes, at least 19 years old or living with a spouse or child, and earning employment or self-employment income.
Your adjusted net income must fall below the applicable phase-out thresholds, which for Ontario are approximately $26,855 for single workers and $30,639 for families before the basic amount begins to decrease.
No basic amount is paid once adjusted net income exceeds $37,742 for single workers or $49,393 for families.
Full-time students enrolled for more than 13 weeks in the year are not eligible unless they have an eligible dependent.
The ACWB does not require a separate application because the CRA automatically determines eligibility when your income tax return is assessed.
All ACWB Payment Dates 2026-2027
| Payment | Date |
| Installment 1 | July 10, 2026 |
| Installment 2 | October 9, 2026 |
| Installment 3 (next cycle) | January 2027 (date to be confirmed) |
The remaining 50% of your CWB is reconciled when you file your annual tax return.
Canada Child Benefit (Increased)
The first Canada Child Benefit payment at the new indexed rates is scheduled for Monday, July 20, 2026.
The CRA has applied a confirmed 2% inflation indexation to all CCB amounts for the July 2026 to June 2027 benefit year, using your 2025 adjusted family net income for income calculations.
Updated CCB Maximums for July 2026 to June 2027
| Child Age | Previous Maximum (Annual) | New Maximum (Annual) | Monthly Equivalent |
| Under 6 | $7,997 | $8,157 | $679.75 |
| Aged 6 to 17 | $6,748 | $6,883 | $573.58 |
| Child Disability Benefit | $3,411 | $3,480 | $290.00 |
Families with an adjusted family net income below $38,237 receive the full maximum amount without any reduction.
Payments begin to decrease gradually once income exceeds $38,237, with the reduction rate depending on the number of eligible children in the household.
A second reduction tier applies when adjusted family net income exceeds $82,847.
A family with two children under six and an adjusted family net income below $38,237 will receive a combined $16,314 per year or $1,359.50 per month under the new rates, an increase of $320 per year from the previous benefit period.
To receive the CCB, you must live with the child, be their primary caregiver, and be a Canadian resident for tax purposes.
You or your spouse must be a Canadian citizen, permanent resident, protected person, or hold qualifying temporary resident status with at least 18 consecutive months of residence in Canada.
Both you and your spouse or common-law partner must file income tax returns every year to continue receiving the benefit, even if one of you had no income.
All CCB Payment Dates July 2026 to June 2027
- July 20, 2026
- August 20, 2026
- September 18, 2026
- October 20, 2026
- November 20, 2026
- December 11, 2026
- January 20, 2027
- February 19, 2027
- March 19, 2027
- April 20, 2027
- May 20, 2027
- June 18, 2027
If your CCB payment has not arrived by the end of the business day on the scheduled date, wait five business days before contacting the CRA at 1-800-387-1193.
For a month-by-month breakdown of how the CRA calculated CCB amounts during the previous benefit year, see our May 2026 payment guide.
Ontario Social Assistance Payments (Increased)
The next ODSP payment is scheduled for Friday, July 31, 2026.
ODSP rates increased by 1.9% effective July 1, 2026, and the higher payment is reflected at the end of July.
A single ODSP recipient now receives up to $1,436 per month for basic needs and shelter combined after the 1.9% inflation adjustment effective July 1, 2026.
Ontario Works recipients will also receive their payment on the same date.
Ontario has formally exempted the federal Canada Disability Benefit as income for social assistance purposes, meaning eligible ODSP recipients who qualify for the CDB can receive both payments in full without one reducing the other.
Neither ODSP nor Ontario Works is administered by the CRA, but filing your annual tax return remains important for determining eligibility for the OTB, the Child Benefit, and other income-tested credits.
Recipients should bookmark their MyBenefits account to track individual payment status and confirm updated deposit amounts before each scheduled date.
ODSP Payment Dates July 2026 to December 2026
| Upcoming ODSP Payment Dates |
| July 31, 2026 |
| August 31, 2026 |
| September 29, 2026 |
| October 30, 2026 |
| November 30, 2026 |
| To be confirmed |
December 2026 payments may be issued earlier in the month to accommodate the holiday season, and the exact date will be confirmed by the provincial government closer to the time.
July 2026 Benefit Payment Calendar
The following table shows every confirmed upcoming benefit payment date in July 2026 that is relevant to Ontario residents, along with the administering agency and maximum possible amount at the new benefit year rates.
| Date | Benefit Payment | Administered By | Maximum Amount |
| July 10 | Ontario Trillium Benefit | CRA (for Ontario) | Varies by component |
| July 10 | Advanced Canada Workers Benefit | CRA | Up to ~$468 (families) |
| July 20 | Canada Child Benefit | CRA | Up to $679.75/month |
| July 31 | ODSP / Ontario Works | Provincial | Up to $1,436 (ODSP) |
Why July Payments May Look Different From June
If your July payment is noticeably different from your June deposit, it is likely because of one or both of the following changes that take effect simultaneously this month.
The CRA is now using your 2025 tax return to calculate all income-tested benefits for the July 2026 to June 2027 benefit year, replacing the 2024 data used for the previous 12 months.
If your household income rose between 2024 and 2025, your CCB and OTB payments could decrease even though the maximum benefit amounts have increased through inflation indexation.
If your income dropped, your payments could increase beyond what the standard 2% indexation would suggest.
Ontarians who want to confirm their new payment amounts should log into CRA My Account to verify their CCB, OTB, and ACWB details for the new benefit year.
What To Do If a Payment Is Missing or Delayed
| Payment | Phone | Online Portal |
| OTB, CCB, or ACWB | 1-800-387-1193 | CRA My Account |
| ODSP or Ontario Works | Contact local office | MyBenefits |
For CRA-administered benefits, wait 10 business days after the scheduled payment date before calling.
For the provincial payments, check with your bank first and then contact your local office if the deposit has not appeared after two business days.
July is the month when nearly every income tested benefit resets, making it the single most important month in the CRA benefit calendar for the households.
The next Canada Groceries and Essentials Benefit quarterly payment is scheduled for October 5, 2026, followed by January 5 and April 1, 2027.
The second ACWB installment of the current cycle arrives on October 9, 2026, and the third installment is expected in January 2027.
July is one of the most important months for households because CRA benefits reset, new income data is applied, and several payments increase at the same time.
Ontario residents who want to make sure they receive every benefit they are entitled to should confirm that their 2025 tax return has been assessed, that their direct deposit information is current in CRA My Account, and that any changes in marital status, address, or custody arrangements have been reported to the CRA.
Anyone who notices a lower or delayed payment should review their twenty twenty-five income, family status, and benefit notices before contacting the CRA or Ontario government.
Staying on top of these July payment changes can help families, workers, seniors, and ODSP recipients avoid missed benefits and plan the rest of the 2026-2027 benefit year more confidently.
Frequently Asked Questions (FAQs)
Why is my July CCB payment different from my June payment even though I did not report any changes?
Your CRA benefit payment can change in July 2026 because July starts a new benefit year for major income-tested payments such as the Canada Child Benefit, Ontario Trillium Benefit, and Advanced Canada Workers Benefit. The CRA now uses your 2025 tax return instead of your 2024 return to calculate payments, while also applying new indexed benefit amounts. This means your July payment may increase if your 2025 income was lower, decrease if your 2025 income was higher, or change slightly even if your family situation stayed the same. Tax payers should check CRA My Account to review their updated benefit notice, direct deposit details, and payment calculation.
Who will get the biggest CRA benefit payment increase in July 2026?
Families with children are most likely to see the biggest CRA benefit increase in July 2026 because the Canada Child Benefit has the highest maximum monthly payment among the July CRA benefits. For the July 2026 to June 2027 benefit year, eligible families can receive up to $679.75 per month for each child under six and up to $573.58 per month for each child aged six to seventeen. The actual increase depends on the family’s 2025 adjusted family net income, number of children, children’s ages, marital status, and whether a child qualifies for the Child Disability Benefit. Low-income families below the first income threshold generally receive the full indexed maximum, while higher-income families receive reduced amounts.
Do I need to apply separately for the Advanced Canada Workers Benefit?
No, the CRA automatically determines your ACWB eligibility when your income tax return is assessed. If you qualified for the Canada Workers Benefit based on your most recent return, the CRA will issue advance payments on the scheduled dates without any separate application. You must be a Canadian resident for tax purposes, at least 19 years old or living with a spouse or child, and earning employment or self-employment income below the applicable thresholds.
Can I receive the ACWB and the Canada Disability Benefit at the same time?
Yes, workers who hold a valid Disability Tax Credit certificate can receive the CWB disability supplement through the ACWB and the federal Canada Disability Benefit simultaneously. CDB income does not count as working income for CWB purposes and ACWB payments do not count as income for CDB calculations, making the two benefits fully stackable.
Will my ODSP payment increase in July 2026?
The July 31 deposit is expected to be the first ODSP payment reflecting new inflation-adjusted rates for the 2026 to 2027 benefit year, as confirmed by the 2026 provincial Budget. The exact updated amounts will be published by the provincial government. ODSP recipients who also qualify for the federal Canada Disability Benefit will continue to receive both payments in full because Ontario has formally exempted the CDB from social assistance income calculations.
What happens if my 2025 tax return has not been assessed yet?
The CRA recalculates income-tested benefits every July using your most recent tax return. If your 2025 return has not been processed by the time July payments are issued, you could experience delays or interruptions in the CCB, OTB, ACWB, and the Canada Groceries and Essentials Benefit. File your return as soon as possible and check your assessment status through CRA My Account.
Fact-Check: All payment dates, benefit amounts, and eligibility information in this article have been verified against official Government of Canada sources, including the CRA benefit payment dates page, the Canada.ca CCB amounts page, the CRA Canada Workers Benefit page, and published Ontario government payment schedules as of July 2026.
Disclaimer: This article provides general information only and does not constitute financial, tax, or legal advice. Individual benefit amounts depend on personal circumstances, including income, residency, family composition, and filing status. Contact the CRA at 1-800-387-1193 or a qualified professional for guidance on your specific situation.
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