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Free tool · settlement funds

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.

Calculate your amount
Express Entry · federal table · CAD, readily available and unencumberedIRCC table of July 7, 2025
  1. $15,2631 person
  2. $19,0012 people
  3. $23,3603 people
  4. $28,3624 people
  5. $32,1685 people
  6. $36,2806 people
  7. $40,3927 people
  8. +$4,112each above 7

IRCC table of July 7, 2025 · 11 provinces & territories · CEC and job-offer exemptions

Proof of funds calculator

The program

Which program are you applying under?

Provincial nominee program

Which province or territory?

The stream

Which stream?

Family size · 1 of 2

Do you have a spouse or partner?

Family size · 2 of 2

How many dependent children?

This province counts only who comes

How many family members are not coming?

One detail for this stream

Choose one

The exemption

Working in Canada with a valid job offer?

Your result

Your rule and its source

Proof of funds calculatorFreeIRCC table of July 7, 2025Provincial rules
Spouse or partner
Dependent children (incl. not accompanying)
0
Working in Canada with a valid job offer?

Sources: IRCC, Proof of funds for Express Entry (table dated July 7, 2025, still in force on 16 October 2026) and each province's program page, shown with the result, verified in September 2026.

Rule source: IRCC, proof of funds for Express Entry, table dated July 7, 2025.

1 of 4

The rules

A balance is more than a number.

The number is the easy part. How the money is held and documented is where files fail.

  1. Family size

    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.

  2. Readily available

    Cash in bank accounts, term deposits, GICs and similar. Not real estate, vehicles, jewellery, or money borrowed from anyone, including family.

  3. In your name

    Your accounts, or joint accounts with your spouse. Money in your spouse's sole name counts only with proof you have access to it.

  4. Held over time

    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.

  5. At two moments

    The amount must be there when you apply and again when the permanent resident visa is issued; a new table can apply in between.

  6. Bank letter format

    Letterhead, contact details, your name, account numbers, open dates, current balances and average balances for the period — one letter per institution, plus statements.

A glass measuring jug, a stack of blank bank statements, an open ledger and a red pencil on a sunlit desk by a window over the water
Statements, letters, a history of balances: what an officer reads behind the number.

Questions

Proof of funds, answered.

How much money do I need for Express Entry in 2026?
IRCC's current table (dated July 7, 2025) requires CAD $15,263 for one person, $19,001 for two, $23,360 for three, $28,362 for four, $32,168 for five, $36,280 for six, $40,392 for seven, and $4,112 for each additional family member. The figures are 50% of the low-income cut-off and are updated every year; you must meet the figure in force when you apply and when the visa is issued.
Who is exempt from proof of funds?
Candidates applying under the Canadian Experience Class, and candidates under the Federal Skilled Worker or Federal Skilled Trades programs who are authorized to work in Canada and hold a valid job offer. Provincial nominee streams have their own rules — several waive funds for people already working in the province.
Who counts in my family size?
You, your spouse or common-law partner, your dependent children, and your spouse's dependent children — whether or not they are coming to Canada with you, and even if they are already permanent residents or citizens.
What counts as proof of funds?
Money that is readily available and unencumbered: bank accounts, term deposits, GICs, money market funds and similar, in your name or your spouse's name (jointly, or individually if your spouse signs the account access). Real estate, vehicles, jewellery and borrowed money do not count. Bank letters must be on letterhead and show the account history and balances — usually six months for Express Entry, three months for several provincial streams.
Do provinces have their own settlement-fund rules?
Yes, and they differ. Manitoba asks for $10,000 plus $2,000 per accompanying family member (or the federal table for Express Entry-linked applicants); the Northwest Territories asks for the same amounts in its entry-level stream; Saskatchewan's Occupations In-Demand stream uses the federal table held for three months; Alberta's Rural Renewal Stream has its own LICO table by community size; British Columbia and Yukon test household income against LICO instead; Ontario's new Workforce Priority Stream states no funds requirement; Nova Scotia, PEI and Newfoundland and Labrador ask for "sufficient" funds without a table. The calculator shows the rule for each stream.
Do I need the funds if I am nominated by a province through Express Entry?
A nomination does not remove the federal requirement. If your Express Entry profile is under FSW or FST you must still show the federal amount unless you are authorized to work in Canada with a valid job offer; CEC candidates remain exempt.

Sources

Program sources.

Federal

  1. IRCC — Proof of funds: skilled immigrants (Express Entry)table dated July 7, 2025

Provincial

  1. Manitoba — MPNP settlement funds policy$10,000 + $2,000 per accompanying family member
  2. Saskatchewan — SINP Occupations In-Demandfederal table, held 3 months
  3. Alberta — AAIP Rural Renewal Stream eligibilityLICO table by community size, June 17, 2026
  4. British Columbia — BC PNP Skills Immigration program guideminimum income requirement, effective June 10, 2026
  5. Northwest Territories — Employer Driven Stream guidelineseffective March 9, 2026
  6. Ontario — Ontario Workforce Priority Streamupdated August 11, 2026

Keep going

Related tools.

Next step

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.

Book a consultation

Next on your path

Keep your file moving.

The checklist, free tools and guides that usually come next.

  1. GuideExpress EntryThe federal PR pool: score, categories and draws.
  2. ChecklistExpress Entry document checklistEvery document, in filing order, with what officers reject.
  3. GuideStudy permitsGetting in, staying in status, and what comes after.

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.

  1. 01Read personally by a CICC-licensed consultant
  2. 02A written shortlist of the programs you qualify for
  3. 03Fee-based; the fee and times come 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. Prefer to talk first? Call 647-948-7200 or book a paid consultation.