Help with bills in Canada

Updated October 2026

Help with energy bills, rent and debt in Canada, from provincial programs to free counselling.

Before you start

Check eligibility with the program. Rules, income limits, dates and funding change and differ by area. This site is a directory of official and major nonprofit help. It is not legal or financial advice, and we are not connected to any program. Official programs don’t charge a fee to apply.

Province by province

Energy help is mostly run by provinces and utilities. Below are examples from Ontario and British Columbia. In other provinces, ask your utility and call 211.

Official programs and free help

211 Canada

211 Canada (nonprofit)

Free help finding local community, social, health and government services.

How to get it: Call or text 211, or search online.

Official page ↗

Ontario LEAP Emergency Financial Assistance

Ontario Energy Board Ontario only

A one-time grant if you’re behind on your electricity or natural gas bill and could be disconnected: up to $650 for electricity ($780 if your home is electrically heated) or $650 for natural gas.

How to get it: Apply through a LEAP intake agency in your area.

Official page ↗

Ontario Electricity Support Program (OESP)

Ontario Energy Board Ontario only

An ongoing monthly credit on electricity bills for lower-income households, based on household size and income.

How to get it: Apply online or through an intake agency.

Official page ↗

BC Hydro Customer Crisis Fund

BC Hydro British Columbia only

Grants for BC Hydro residential customers facing disconnection after a temporary crisis.

How to get it: Check eligibility and apply online.

Official page ↗

Benefits Finder

Government of Canada

Answer questions to see federal, provincial and territorial benefits you may be able to get.

How to get it: Use the online tool.

Official page ↗

Credit Counselling Canada

Nonprofit association

Find a nonprofit credit counselling agency for help with bills and debt.

How to get it: Search for a member agency.

Official page ↗

Get ready to apply

Programs usually ask you to prove who you are, where you live and what your household earns. Before you call, it helps to have:

  • ID for the person applying
  • Recent proof of income for everyone in the home (pay stubs, benefit letters)
  • Your latest bill, and any past-due or shut-off notice
  • Your lease or rental agreement (for rent help)
  • Your account numbers

Call your utility or landlord early. Many will agree a payment plan if you ask before you fall far behind.

Make a plan for next month

Once the urgent bill is covered, a simple budget can help stop it happening again. Our free Budget Planner helps you plan your money each month, the debt payoff calculator shows how to clear what you owe, and the rent affordability calculator checks what rent fits your income.

Find help that fits you

Pick your country and what you need help with to see official programs.

Open the bill help finder

Frequently asked questions

How much is Ontario LEAP?

Up to $650 for electricity ($780 if your home is electrically heated) or $650 for natural gas, as a one-time grant if you’re behind and could be disconnected.

Where can I find all benefits I qualify for?

The Government of Canada Benefits Finder lists federal, provincial and territorial benefits.

Last reviewed: October 2026. General information only — check providers' official sites for current features and pricing.

Related guides

Suggest an improvement

Found a bug or have an idea? Tell us. We read every message.

0 / 1000

We store your message, the page address and your email (if given) only to improve this site. We never share them. See our privacy policy.