Proof of funds and income requirements

Study permit

You must show enough money for your tuition, your living expenses and those of any family members who come with you, and return transportation. If your program is shorter than a year, show funds for the whole program; if longer, for the first year.

Source: Guide 5269: Applying for a study permit outside Canada, IRCC, canada.ca (page modified 2026-10-06, checked November 10, 2026).

Living expenses outside Quebec, applications on or after September 1, 2026

In addition to tuition and transportation. Family members include you.

Studying in Quebec: IRCC does not publish a Quebec amount. Quebec sets its own requirement, and IRCC directs applicants to the Quebec immigration ministry.

Documents IRCC accepts

IRCC gives these examples and says the list is not complete; your visa office may ask for more.

• Costs already paid: a school receipt for first-year tuition and housing, a student or education loan from a bank, or proof of a scholarship or a Government of Canada-funded program. If a scholarship covers tuition only, you still show living and transportation funds.
• Support from someone else: recent pay stubs, and a letter from the person giving you money stating their job, relationship to you, dependants and the amount, with proof of the relationship and a copy of their photo ID or business registration.
• Banking and other income: a Canadian bank account in your name if you transferred money to Canada, a GIC from a Canadian financial institution, 6 months of bank statements (including the month you apply or the month before) showing the source of income, pension documents, or proof of rental income.

If your country has foreign exchange controls, you must also show you can take the money out for all your expenses.

Source: Study permit: Proof of financial support, IRCC, canada.ca (page modified 2026-08-28, checked November 10, 2026).

Super visa: the host's minimum income

The child or grandchild inviting you (the host) must meet a minimum income. Count the super visa applicants the host will support, the host, the host's spouse or partner, their dependent children, earlier super visa applicants already approved, and anyone they sponsored who is still under an undertaking. A co-signer's income can be added.

IRCC's table dated July 29, 2025.

How to prove it

• Option 1: total income meets the minimum in either of the two tax years before you apply, shown with the host's (or co-signer's) CRA notice of assessment.
• Option 2: income in the year before you apply was at least 75% of the minimum, and you add your own income to make up the rest. The notice of assessment is preferred; otherwise T4 or T1, 12 months of pay stubs, an employer letter with title, duties and salary, bank statements, or pension and rental income documents.
• If you add your own income, you must show you will keep receiving it while in Canada, with the currency stated.

Source: Super visa: Proof of financial support, IRCC, canada.ca (page modified 2026-07-06, checked November 10, 2026).

Sponsoring parents and grandparents: income for 3 tax years

To sponsor parents or grandparents for permanent residence, you must meet the income below in each of the 3 tax years before you apply. These are the amounts IRCC published for the 2025 intake.

If you live in Quebec, you must meet Quebec's income requirements instead.

Source: Sponsor parents and grandparents: Income requirements, IRCC, canada.ca (page modified 2025-07-28, checked November 10, 2026).

Express Entry

Required for the Federal Skilled Worker Program and the Federal Skilled Trades Program. Not required if you are invited under the Canadian Experience Class, or if you are authorized to work in Canada and have a valid job offer; if exempt, you upload a letter explaining why.

IRCC's table dated July 7, 2025. IRCC updates these amounts every year.

• An official letter from each bank or financial institution where you hold money, on its letterhead, with its contact details, your name, your outstanding debts, and for each account the number, opening date, current balance and average balance over the past 6 months.
• The money must be legally available to you. Equity in property and money borrowed from another person do not count.
• A joint account counts if your spouse or partner is coming with you; an account in their name alone may count if you can prove access.

Source: Documents for Express Entry: Proof of funds, IRCC, canada.ca (page modified 2026-10-16, checked November 10, 2026).

Atlantic Immigration Program (New Brunswick, Nova Scotia, Prince Edward Island, Newfoundland and Labrador)

Not required if you are already working in Canada with a valid work permit. The money must be available when you apply and when your permanent resident visa is issued.

IRCC's table dated July 29, 2025.

• An official letter from each bank or financial institution where you hold money, on its letterhead, with its contact details, your name, your outstanding debts, and for each account the number, opening date, current balance and average balance over the past 6 months.
• Equity in property and borrowed money do not count. A joint account with a spouse coming with you counts.

Source: Atlantic Immigration Program: Proof of funds, IRCC, canada.ca (page modified 2026-05-28, checked November 10, 2026).

Rural Community and Francophone Community Immigration Pilots

Both pilots use the same table. Not required if you are already working in Canada with a valid work permit.

IRCC's tables dated July 29, 2025.

Source: Rural Community Immigration Pilot: Proof of funds, IRCC, canada.ca (page modified 2026-11-09, checked November 10, 2026).

Source: Francophone Community Immigration Pilot: Proof of funds, IRCC, canada.ca (page modified 2025-09-03, checked November 10, 2026).

Newfoundland and Labrador Provincial Nominee Program

Newfoundland and Labrador does not publish a fixed dollar amount. Every NLPNP applicant must show they can become economically established in the province, and each application is assessed on its own merits: relocation costs, savings, debts, expected salary, cost of living, IRCC fees and family size.

• Funds must cover IRCC fees and relocation costs for all family members, plus any debts.
• Funds must have been in your accounts for at least 3 months before you apply, and cannot be borrowed.
• Accepted accounts include chequing and savings accounts, GICs, mutual funds, RRSPs, TFSAs, and term deposits, shown on the institution's letterhead with account numbers, opening dates, current balances and at least 3 months of transactions.

Applying through the Atlantic Immigration Program in Newfoundland and Labrador instead? Use the AIP table.

Source: NLPNP: Proof of ability to become economically established, Government of Newfoundland and Labrador, gov.nl.ca (page modified 2025-04-16, checked November 10, 2026).