Last Updated On 7 June 2026, 9:50 AM EDT (Toronto Time)
Ontario households counting on provincial tax relief are about to receive their final deposit of the Ontario Trillium Benefit payment, with money scheduled to arrive in bank accounts later this week.
This particular transfer carries special weight because it closes out 12 months of payments before the program resets with higher amounts next month.
The July 2026 recalculation brings a confirmed 2% inflation adjustment that lifts every dollar figure attached to the Ontario Trillium Benefit, giving qualifying families more purchasing power heading into the second half of the year.
Whether you filed your 2025 taxes on time or submitted late, this guide spells out how much your household stands to collect based on family size, where the income cutoffs sit, and what the July bump means in real dollars for your monthly deposit.
Table of Contents
How the Ontario Trillium Benefit Works
The OTB rolls three standalone provincial tax credits into a single electronic transfer that reaches eligible households on a predictable monthly schedule.
Ontario designs and pays for the entire program, but the Canada Revenue Agency takes care of crunching numbers and moving money into recipient accounts.
That transaction will appear on your banking statement labelled Canada Pro Deposit because the CRA groups provincial transfers under one generic heading.
Below are the three credits packaged inside every OTB deposit.
| Credit | How It Helps |
| Ontario Sales Tax Credit | Puts cashback into the pockets of households shouldering HST on everyday spending |
| Ontario Energy and Property Tax Credit | Takes the edge off rent, property tax bills, and rising utility costs across the province |
| Northern Ontario Energy Credit | Adds extra support acknowledging steeper heating expenses in communities above the French River |
Qualifying for any one of these three unlocks OTB access, and stacking multiple components drives the yearly total significantly higher.
Current Maximums Governing Your June Deposit
The figures hitting your account this week reflect the July 2025 through June 2026 cycle, calculated from your 2024 tax return.
Sales Tax Credit
| Per Person | Yearly Cap |
| Each adult and each dependent child | $371 |
Energy and Property Tax Credit
| Recipient | Yearly Cap |
| Working age (18 to 64) | $1,283 |
| Senior (65 plus) | $1,461 |
Northern Energy Credit
| Household | Yearly Cap |
| One person | $185 |
| Two or more people | $285 |
How Much OTB Payment Could You Receive
One of the most common questions around OTB is what the actual dollar figure looks like for a specific household configuration.
The table below maps out maximum yearly and monthly entitlements for Southern Ontario residents earning below all reduction thresholds during the current cycle.
| Household | OSTC | OEPTC | Yearly Total | Monthly |
| Single adult | $371 | $1,283 | $1,654 | $137 |
| Single senior | $371 | $1,461 | $1,832 | $152 |
| Couple, no kids | $742 | $1,283 | $2,025 | $168 |
| Lone parent + 1 child | $742 | $1,283 | $2,025 | $168 |
| Couple + 1 child | $1,113 | $1,283 | $2,396 | $199 |
| Couple + 2 children | $1,484 | $1,283 | $2,767 | $230 |
| Couple + 3 children | $1,855 | $1,283 | $3,138 | $261 |
| Senior couple | $742 | $1,461 | $2,203 | $183 |
Northern Ontario households should add $185 for singles or $285 for families to every row above to arrive at their combined total.
A northern couple with two children would reach $3,052 annually or roughly $254 per month under the current cycle.
OTB Payments Increase Coming In July 2026
Provincial law links every OTB credit to the provincial Consumer Price Index, forcing automatic upward adjustments each summer to keep pace with rising costs.
The finalized inflation factor for 2026 stands at 2%, which translates into a bump on every maximum figure when the fresh July 2026 through June 2027 cycle launches.
Your entitlement for the new period will draw from your 2025 tax return rather than your 2024 filing.
Side by Side: Old vs. New Maximums
| Ending June 2026 | From July 2026 | |
| Sales Tax per individual | $371 | $378 |
| Housing (under 65) | $1,283 | $1,307 |
| Housing (65 plus) | $1,461 | $1,488 |
| Northern single | $185 | $189 |
| Northern family | $285 | $290 |
Updated Family Calculations After the July Boost
Here is what those raised ceilings translate into for different household sizes starting with the July 2026 deposit.
| Household | OSTC | OEPTC | Yearly Total | Monthly |
| Single adult | $378 | $1,307 | $1,685 | $140 |
| Single senior | $378 | $1,488 | $1,866 | $155 |
| Couple, no kids | $756 | $1,307 | $2,063 | $171 |
| Lone parent + 1 child | $756 | $1,307 | $2,063 | $171 |
| Couple + 1 child | $1,134 | $1,307 | $2,441 | $203 |
| Couple + 2 children | $1,512 | $1,307 | $2,819 | $234 |
| Couple + 3 children | $1,890 | $1,307 | $3,197 | $266 |
| Senior couple | $756 | $1,488 | $2,244 | $187 |
Families residing in designated northern districts should tack on $189 for singles or $290 for multi-person households, pushing a northern couple with two children to $3,109 annually or about $259 monthly.
New Lump Sum Cutoff Starting July
Another administrative shift arrives alongside the dollar increases.
The provincial budget raised the threshold for receiving your full OTB in a single upfront deposit from $360 to $500 effective with the July 2026 cycle.
Anyone whose calculated yearly entitlement lands at $500 or below will collect everything in one shot during July rather than it being stretched over twelve months.
Those exceeding the $500 mark continue on a monthly schedule unless they actively request the delayed lump sum option through box 61060 on their ON BEN form.
Income Thresholds That Determine Your OTB Payment
Because these credits prioritize households with constrained budgets, the CRA reduces your payment once your adjusted family net income rises above specific thresholds.
The exact reduction depends on which Ontario Trillium Benefit credit you qualify for, since the Ontario Sales Tax Credit, Ontario Energy and Property Tax Credit, and Northern Ontario Energy Credit all use different formulas.
Ontario Sales Tax Credit Income Thresholds
| Filing Status | July 2025 To June 2026 Threshold | July 2026 To June 2027 Threshold | Reduction Rate |
|---|---|---|---|
| Unattached single | $28,506 | $29,047 | 4% |
| Couple or single parent | $35,632 | $36,309 | 4% |
For every $1 your adjusted income exceeds these limits, the CRA reduces your Ontario Sales Tax Credit entitlement by $0.04.
For example, a childless single filer reporting $35,000 in adjusted income would be about $5,953 above the new $29,047 threshold.
That would reduce the credit by roughly $238, trimming the maximum $378 Ontario Sales Tax Credit down to about $140 under the July 2026 figures.
Ontario Energy And Property Tax Credit Income Thresholds
The Ontario Energy and Property Tax Credit uses a worksheet-driven formula rather than one simple income cutoff.
It weighs your eligible rent, property tax, long-term care accommodation cost, or home energy cost against your adjusted family net income.
As a practical guide, the reduction generally begins around the Ontario Sales Tax Credit income thresholds for many non-senior households, while seniors and pensioner households may see different results because of age-based maximums and shelter-cost calculations.
The reduction rate is generally 2% of adjusted family net income above the applicable threshold.
| Household Type | July 2025 To June 2026 Working Threshold | July 2026 To June 2027 Working Threshold | Reduction Rate |
|---|---|---|---|
| Non-senior / non-retired households | Around $28,506 | Around $29,047 | 2% |
| Senior / pensioner households | Around $35,632 | Around $36,309 | 2% |
Because this credit depends heavily on rent, property tax, energy costs, age, and family status, two households with similar income can receive different Ontario Energy and Property Tax Credit amounts.
Northern Ontario Energy Credit Income Thresholds
| Filing Status | July 2025 To June 2026 Threshold | July 2026 To June 2027 Threshold | Reduction Rate |
|---|---|---|---|
| Solo resident | $49,885 | $50,833 | 1% |
| Multiple occupants / family | $64,138 | $65,356 | 1% |
The Northern Ontario Energy Credit has higher income thresholds because residents in northern communities often face heavier heating and household energy costs.
For every $1 that your adjusted family net income exceeds the applicable threshold, the CRA reduces your Northern Ontario Energy Credit by $0.01.
These updated July 2026 to June 2027 thresholds matter because the new Ontario Trillium Benefit year begins in July, using information from your 2025 tax return.
Who Qualifies for The OTB Payments
Each credit carries its own checklist, but clearing the bar for just one is enough to start receiving monthly deposits.
At a minimum, your legal address must have been in Ontario on December 31 of the relevant tax year, and you must satisfy at least one additional condition before June 1 of the benefit year.
- You are 18 or older.
- You share a home with a spouse or common-law partner.
- You are a parent living alongside your child.
Spending 90 consecutive days or longer in a correctional facility during the base year results in automatic disqualification.
The sales tax credit demands nothing beyond satisfying those core conditions and having provincial residency since it calculates automatically from your annual filing.
Accessing the housing credit requires documented shelter expenses during the tax year, whether that means rent where the landlord carried property tax obligations, property taxes on your own home, fees at a nonprofit care facility, utility bills on reserve land, or time spent in approved campus housing.
The northern supplement demands both a mailing address within one of the designated northern districts on December 31 and documented housing or energy expenses in that region.
Recognized northern zones span Algoma, Cochrane, Kenora, Manitoulin, Nipissing, Parry Sound, Rainy River, Greater Sudbury, Thunder Bay, and Timiskaming.
OTB Payment Dates 2026-2027
Standard protocol places funds in accounts on the 10th of every month, with the deposit shifting to the preceding business day when the 10th lands on a weekend or statutory holiday.
Here is every remaining date through the end of the new benefit cycle.
- Wednesday, June 10, 2026 (final deposit of the current cycle)
- Friday, July 10, 2026 (new cycle begins with indexed higher amounts)
- Monday, August 10, 2026
- Thursday, September 10, 2026
- Friday, October 9, 2026 (10th falls on Saturday)
- Tuesday, November 10, 2026
- Thursday, December 10, 2026
- Friday, January 8, 2027 (10th falls on Sunday)
- Wednesday, February 10, 2027
- Wednesday, March 10, 2027
- Friday, April 9, 2027 (10th falls on Saturday)
- Monday, May 10, 2027
- Tuesday, June 10, 2027 (new cycle concludes)
Recipients who registered for electronic deposits will see funds appear in their accounts on the morning of each listed date.
Steps to Claim Your Full OTB Entitlement
Getting onto the OTB rolls boils down to a few actions that trip up thousands of Ontarians every single year.
Submitting your annual tax return to the CRA, even if your total income reads zero, because the agency cannot assess what you qualify for without a completed filing.
Filling out the ON BEN provincial supplement as part of your return, documenting all rent paid, property taxes, care facility charges, and utility expenses during the tax year.
The sales tax credit calculates itself from your main filing, but unlocking the housing and northern components demands this additional paperwork.
Confirm your banking details are on file with the CRA so deposits flow electronically rather than arriving weeks later by cheque.
Report any changes to marital status, dependents, or home address without delay since outdated records produce incorrect calculations and potential repayment demands.
Those who missed the April 30, 2026 deadline can still file late and claim benefits, though initial July deposits may arrive four to eight weeks later than those of early filers.
Self-employed individuals have until June 15, 2026 to submit, with any balance owing still due since April 30.
Verifying Your Deposit Status
Log into CRA My Account anytime to review upcoming deposit amounts, historical payment records, and your total yearly entitlement.
Your notice of assessment also details the annual figure the CRA divided into twelve monthly transfers.
Spotted a discrepancy? Let that notice reach you first, then contact the CRA benefits line at 1 877 627 6645.
Funds missing on the scheduled date? Allow ten business days before flagging the issue with the agency.
Possible Reasons Your OTB Is Missing or Smaller
- You or your partner did not file a return for the respective base year.
- The ON BEN supplement was left off when you submitted.
- Reported earnings climbed relative to your prior filing.
- Combining income with a new spouse lifted your household total above a reduction threshold.
- You relocated outside Ontario partway through the payment window.
- Outstanding amounts owed to the CRA triggered automatic offsets.
- Updated details prompted a midyear recalculation of your entitlement.
This week’s Ontario Trillium Benefit deposit wraps up the current cycle and sets the stage for a meaningful upgrade when the fresh July round arrives with inflation-adjusted ceilings.
A couple with two children in Southern Ontario stands to collect $2,819 per year under the new figures, while a northern family of the same size could reach $3,109 annually.
Making sure your 2025 return and ON BEN supplement reached the CRA accurately positions your household to capture every raised dollar without delay.
Confirming your banking details and personal records remain current with Ottawa is the simplest step you can take today to prevent unnecessary holdups on money that already belongs to you.
Frequently Asked Questions (FAQs)
Will my July 2026 deposit automatically reflect the higher indexed amounts or do I need to reapply for OTB?
No reapplication is necessary; the CRA recalculates your entitlement automatically once your 2025 tax return clears assessment. As long as you filed and included the ON BEN supplement, your July deposit will reflect both the 2% indexed ceilings and whatever your 2025 income produces through the standard benefit formula.
My income jumped significantly in 2025. Could my July payment actually drop despite the indexation increase?
Yes, this is entirely possible. The 2% bump raises the ceilings, but your entitlement also depends on reported income. If your 2025 earnings pushed you further above the reduction thresholds compared to 2024, the income-driven clawback could outweigh the modest indexation gain and result in a smaller monthly deposit.
I share custody of my children with my ex. How does the CRA split the OSTC between us?
The CRA assigns the OSTC for each child to the parent whose return gets assessed first, unless one parent is a senior, in which case that parent receives the family portion. In shared custody arrangements, each parent typically claims the children they are primarily responsible for on their respective returns, and the CRA calculates entitlements individually based on each filing.
Does the $500 lump sum threshold mean I lose money compared to getting monthly payments?
Not at all; the total annual amount stays identical regardless of delivery method. Recipients at $500 or under simply collect everything in one July transfer instead of twelve smaller ones. The only practical difference is timing since you receive the entire sum upfront rather than waiting for monthly installments.
I moved to Ontario from another province in the middle of 2025. Can I still qualify for the July 2026 cycle?
Eligibility hinges on whether Ontario was your legal residence on December 31, 2025. Moving midyear does not disqualify you as long as you were physically residing in the province when the calendar year ended. Your entitlement calculations will draw from whatever housing costs you incurred while living at your Ontario address during 2025.
Fact-Checked: All figures, dates, and eligibility criteria cited in this article have been verified against current CRA and Ontario government publications as of June 2026.
Disclaimer: This content serves informational purposes only and should not be treated as personalized tax or financial advice. Consult a licensed professional or contact the CRA for guidance specific to your circumstances.
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