Proof of funds calculator Express Entry and every provincial nominee program, by family size, with the exemptions that apply to you
The federal table changes every year and each province writes its own rule on top of it. Set your family size, choose the program, and see the exact figure — or the exemption — plus how it must be documented. Current table dated July 7, 2025.
How much must you show?
Set the family size and the program; the figure updates as you go. Runs in your browser; nothing is stored or sent.
Sources: IRCC, Proof of funds for Express Entry (table dated July 7, 2025; page modified 2026-06-22) and each province's program page, listed with the result. Checked September 7, 2026.
What officers look for.
The number is the easy part. How the money is held and documented is where files fail.
Count yourself, your spouse or partner, your dependent children and your spouse's dependent children — accompanying or not, and even if they are already Canadian.
Cash in bank accounts, term deposits, GICs and similar. Not real estate, vehicles, jewellery, or money borrowed from anyone, including family.
Your accounts, or joint accounts with your spouse. Money in your spouse's sole name counts only with proof you have access to it.
Express Entry asks for six months of history; Saskatchewan, Manitoba and the NWT ask for three months and a six-month average balance. A sudden deposit needs an explanation.
The amount must be there when you apply and again when the permanent resident visa is issued; a new table can apply in between.
Letterhead, contact details, your name, account numbers, open dates, current balances and average balances for the period — one letter per institution, plus statements.
Proof of funds, answered.
How much money do I need for Express Entry in 2026?
Who is exempt from proof of funds?
Who counts in my family size?
What counts as proof of funds?
Do provinces have their own settlement-fund rules?
Do I need the funds if I am nominated by a province through Express Entry?
- IRCC — Proof of funds: skilled immigrants (Express Entry) · table dated July 7, 2025
- Manitoba — MPNP settlement funds policy · $10,000 + $2,000 per accompanying family member
- Saskatchewan — SINP Occupations In-Demand · federal table, held 3 months
- Alberta — AAIP Rural Renewal Stream eligibility · LICO table by community size, June 17, 2026
- British Columbia — BC PNP Skills Immigration program guide · minimum income requirement, effective June 10, 2026
- Northwest Territories — Employer Driven Stream guidelines · effective March 9, 2026
- Ontario — Ontario Workforce Priority Stream · updated August 11, 2026
Related tools.
Funds in several accounts, currencies or names?
A licensed RCIC will tell you which balances count, how to document a recent deposit, and whether an exemption applies — before an officer asks.
eligibility review
Find out where you actually stand.
Send a few details. A licensed RCIC reads your profile personally, then replies with the routes that genuinely fit, the ones that do not, and the consultation fee and next available times.
- Read personally by a CICC-licensed consultant — never a bot, never a salesperson
- A written shortlist of the programs you realistically qualify for
- Consultations are fee-based; you get the fee and available times by reply
CHK Immigration Services — Regulated Canadian Immigration Consultant (CICC). Offices in Brampton and London, Ontario. Submitting this form does not create a client–consultant relationship; IRCC makes all final decisions.