Ontario Trillium Benefit — Estimate Your Monthly OTB Payment — Canada 2026

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What the OTB Includes: OEPTC + NOEC + OSTC

The Ontario Trillium Benefit is not one credit but three, combined into a single CRA payment made on Ontario's behalf. The Ontario Energy and Property Tax Credit (OEPTC) is the largest piece — worth up to roughly $1,283 for non-seniors and $1,461 for seniors in the 2025–26 benefit year — and is driven by the rent or property tax you paid on your principal residence. The Ontario Sales Tax Credit (OSTC) pays up to about $371 for each adult and each child in the family. The Northern Ontario Energy Credit (NOEC) adds up to roughly $185 for singles and $285 for families, but only for residents of the Algoma, Cochrane, Kenora, Manitoulin, Nipissing, Parry Sound, Rainy River, Sudbury, Thunder Bay and Timiskaming districts. All three maximums are indexed annually, so the 2026–27 amounts (paid from July 2026) tick slightly higher. Qualifying for any one of the three qualifies you for the OTB. Two mechanics trip people up: payments from January to June 2026 are based on your 2024 return, while July 2026 onward is based on your 2025 return — and you must file a return and complete form ON-BEN even with zero income, or the CRA simply has nothing to pay you from.

OTB Payment Dates in 2026

The CRA issues the Ontario Trillium Benefit on the 10th of each month; when the 10th falls on a weekend or federal holiday, the money goes out on the last business day before it. For 2026 that schedule works out to: January 9, February 10, March 10, April 10, May 8, June 10, July 10, August 10, September 10, October 9, November 10 and December 10. Direct deposit lands on the day itself; mailed cheques can take up to 10 business days longer. Three amount rules change how you are paid. If your total annual entitlement is $360 or less, you do not get monthly deposits — the CRA pays the whole year as a single lump sum with the first payment of the benefit year in July. If it is more than $360, you can instead elect on form ON-BEN to receive one lump sum at the end of the benefit year, in June. And if your entitlement is under $2 nothing is paid, while amounts between $2.01 and $10 are rounded up to $10. If a deposit does not arrive, the CRA asks you to wait 10 business days past the scheduled date before calling its dedicated Ontario benefits line at 1-877-627-6645.

Income Phase-Outs and Who Qualifies

Each component phases out separately against adjusted family net income, and the thresholds are indexed annually — so treat the figures below as the mechanism, not gospel for your exact year. The OSTC is reduced by 4% of family net income above a threshold in the high-$20,000s for singles and the mid-$30,000s for families. The OEPTC is reduced by 2% of income above similar thresholds, with higher cut-ins for seniors. The NOEC is reduced by 1% above thresholds of roughly $49,000 for singles and $63,000 for families. Because the OEPTC starts from your actual occupancy cost — 20% of rent paid, or the property tax paid — two neighbours with identical incomes can receive very different amounts. To qualify at all you must be an Ontario resident, at least 18 (or married, common-law, or a parent), and for the OEPTC you must have paid rent or property tax on a principal residence, home energy costs on a reserve, or accommodation in a public long-term care home. Students in a designated university, college or private-school residence can claim only a flat $25 occupancy amount for the year. Payments stop if you move out of Ontario, and eligibility is tested by your status at the start of each payment month.