Good news for Ontario residents: Starting July 10, 2025, the Ontario Trillium Benefit (OTB) is getting a notable increase, delivering higher monthly payments to help individuals and families cope with the rising cost of living.
This annual inflation adjustment will benefit thousands of low- to moderate-income Ontarians, including seniors, parents, and renters who rely on financial support for energy costs, property taxes, and sales tax relief.
If you’re wondering how much more you’ll receive or whether you qualify, this complete guide breaks down the OTB increase for July 2025, eligibility requirements, payment dates, and more.
Table of Contents
What is the Ontario Trillium Benefit (OTB)?
The Ontario Trillium Benefit is a monthly payment program administered by the Canada Revenue Agency (CRA) on behalf of the Ontario government. It combines three provincial credits into a single benefit:
- Ontario Sales Tax Credit (OSTC)
- Ontario Energy and Property Tax Credit (OEPTC)
- Northern Ontario Energy Credit (NOEC) (for eligible northern residents)
The OTB is designed to offset part of the taxes and energy costs paid by lower-income Ontarians.
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Ontario Trillium Benefit Increase July 2025
Beginning July 2025, OTB payments will reflect indexation adjustments based on the Ontario Consumer Price Index (CPI).
Key changes include:
- Higher maximum credit amounts for 2025–2026 benefit year
- Automatic recalculations based on your 2024 tax return
- Adjustments based on updated income thresholds
While the final indexed amounts will be released by the CRA later this summer, increases are typically in the range of 2% to 3%, matching inflation.
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When Will the July 2025 OTB Payment Be Issued?
- Payment Date: Wednesday, July 10, 2025
- OTB payments are issued monthly on the 10th (or the previous business day if it falls on a weekend/holiday).
You will continue to receive payments each month through June 2026, unless you opted for a lump-sum payment.
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Who is Eligible for the Ontario Trillium Benefit?
To qualify for the Ontario Trillium Benefit increase in July 2025, you must:
- Be a resident of Ontario on December 31, 2024
- File your 2024 income tax return
- Qualify for at least one of the following credits:
- Ontario Sales Tax Credit
- Ontario Energy and Property Tax Credit
- Northern Ontario Energy Credit
Eligibility by Credit:
1. Ontario Sales Tax Credit (OSTC)
- Available to low-income individuals and families
- Based on net income, marital status, and number of children
2. Ontario Energy and Property Tax Credit (OEPTC)
- You must either:
- Pay property tax or rent for your home in Ontario, or
- Live on a reserve and pay for your home energy, or
- Live in a long-term care home
3. Northern Ontario Energy Credit (NOEC)
- Must reside in a northern Ontario region
- Pay energy costs for your home
How Much Will You Receive After the Ontario Trillium Benefit Increase?
Final indexed amounts will depend on your:
- 2024 income
- Age
- Marital status
- Number of dependents
- Whether you pay rent, property tax, or live in a reserve or care home
Here are the estimated maximum annual payments for July 2025–June 2026 (subject to final CRA updates):
| Credit Type | Estimated 2025 Max Amount |
|---|---|
| Ontario Sales Tax Credit | $350 per adult/child |
| Ontario Energy & Property Credit | Up to $1,150 per person (65+), $790 under 65 |
| Northern Ontario Energy Credit | Up to $175 per adult |
You could receive over $1,600 annually if eligible for multiple credits.
How to Apply for the Ontario Trillium Benefit 2025
No separate application is needed. You simply need to:
- File your 2024 tax return
- Complete the ON-BEN Application Schedule (included with your tax return)
If you qualify, CRA will automatically calculate and issue your monthly payments starting July 2025.
What If You Don’t Receive Your July 2025 OTB Payment?
If your payment doesn’t arrive by July 17, 2025:
- Confirm that you filed your 2024 return and completed the ON-BEN form
- Make sure your direct deposit info with CRA is up to date
- Allow 10 business days before contacting CRA
CRA Payment Inquiries: 1-800-959-8281
Why the OTB Increase in July 2025 Matters
As rising rents, energy bills, and groceries strain household budgets, the Ontario Trillium Benefit increase July 2025 is more than a routine update—it’s crucial cost-of-living support for vulnerable Ontarians.
Whether you’re a senior on a fixed income, a working parent, or a tenant facing higher utilities, this monthly benefit helps ease financial pressure throughout the year.
Final Tips to Maximize Your OTB Payments
- File taxes on time (even with no income)
- Apply for all credits you qualify for
- Use CRA My Account to track your payments
- Sign up for direct deposit for faster access