For thousands of people across Ontario, July 10, 2025, could mean extra money in their bank accounts. That’s the date the Ontario Trillium Benefit (OTB) returns with its first payment of the new benefit year—and depending on your income, rent, or property taxes paid in 2024, you could be eligible for a lump-sum payout of up to $360, or more in monthly payments.
This annual benefit program is a financial lifeline for many, combining several tax credits into one single, easy-to-manage payment. And if you’ve filed your taxes and submitted the right forms, there’s a good chance you’re already on the list.
What Is the Ontario Trillium Benefit?
The Ontario Trillium Benefit is a tax-free monthly payment issued by the Canada Revenue Agency (CRA) on behalf of the Ontario government. It helps low- to moderate-income individuals and families offset the cost of:
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Sales taxes
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Property taxes
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Energy bills—especially for those living in Northern Ontario
The OTB combines three separate credits into one simplified payment:
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Ontario Sales Tax Credit (OSTC)
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Ontario Energy and Property Tax Credit (OEPTC)
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Northern Ontario Energy Credit (NOEC)
This means if you qualify for even one of these credits, you’ll receive your payments through the OTB system.
When Will Payments Be Made?
The first OTB payment of the 2025 benefit year is scheduled to be deposited on July 10, 2025. If the total amount you qualify for is $360 or less, the CRA will send it to you as a one-time lump sum on that date.
If your benefit is more than $360, you’ll start receiving monthly installments, beginning in July and continuing on the 10th of every month through June 2026.
Payments will be made by direct deposit if you’ve signed up with CRA, or by cheque if not.
Who’s Eligible for the July 2025 OTB?
To qualify for the Ontario Trillium Benefit, you must meet a few basic conditions based on your 2024 tax return. Here’s what you need:
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You must have filed your 2024 personal income tax return
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You must have completed and submitted Form ON-BEN (Ontario Benefits)
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As of December 31, 2024, you must have:
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Been 18 or older
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Been a parent or living with a spouse/common-law partner
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Lived in Ontario
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Paid rent, property tax, or lived in a qualifying care home
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Your income must also fall within the low-to-moderate range to qualify for these credits. For example, if you’re single and earn less than roughly $24,000, or a family making under $40,000, you may qualify for some level of benefit.
How Much Could You Receive?
The amount you get depends on your 2024 income, household size, age, and where in Ontario you live. Here are a few general maximums for this year’s credits:
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Ontario Sales Tax Credit – Up to $371 per adult and child
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Ontario Energy and Property Tax Credit – Up to $1,283 for adults under 65 and $1,461 for those 65+
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Northern Ontario Energy Credit – Up to $158 for single people or $285 for families living in the north
If the total of your combined credits comes to $360 or less, you’ll receive that full amount on July 10. If it’s more, you’ll receive monthly payments.
What You Should Do Right Now
To ensure you’re included in the July 2025 OTB rollout:
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Make sure your 2024 taxes have been filed—OTB eligibility is based entirely on that return.
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Double-check that you submitted Form ON-BEN with your return—it’s how you apply for these provincial credits.
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Enroll in direct deposit through CRA’s “My Account” portal for faster payment.
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Watch your bank account on July 10, 2025, if you’re expecting the lump sum or the start of monthly payments.
Final Thoughts
The Ontario Trillium Benefit is one of the province’s most important financial supports for working families, renters, seniors, and low-income residents. Whether it’s a few hundred dollars to help with property taxes or ongoing monthly support for energy costs, it can make a real difference.
Don’t miss your opportunity to claim it—especially if you’ve never filed for it before. With the first 2025 payment just around the corner, now is the time to check your CRA account, confirm your filing status, and make sure you’re eligible for that July 10 payout.
