Express Entry Proof of Funds Calculator
If you apply through the Federal Skilled Worker or Federal Skilled Trades program, you must show you have enough money to settle in Canada. The amount depends on your family size, including family members who won't come with you.
Funds you need to show
$15,263 CAD
- Family size1
- IRCC table amount$15,263
Proof of funds table 2026
| Number of family members | Funds required (CAD) |
|---|---|
| 1 | $15,263 |
| 2 | $19,001 |
| 3 | $23,360 |
| 4 | $28,362 |
| 5 | $32,168 |
| 6 | $36,280 |
| 7 | $40,392 |
| Each additional member | +$4,112 |
IRCC updates these amounts every year, usually in summer. Current figures took effect July 7, 2025.
Data · Proof of funds per person
A family of 4 needs only 1.9× what one person needs
- 1 person$15,263
- 2 people$9,501
- 3 people$7,787
- 4 people$7,091
- 5 people$6,434
- 6 people$6,047
- 7 people$5,770
Who needs proof of funds?
- FSW and FST: yes, unless you have a valid job offer and are authorized to work in Canada.
- CEC: no.
- You must have the funds when you create your profile, when you apply, and when you land.
What counts as proof
- Official letters from each bank where you hold money, on letterhead, showing account numbers, opening dates, current balance and average balance for the last 6 months.
- The money must be yours (or your accompanying spouse's), available, and not borrowed. Equity in a home doesn't count.
- Gifts are acceptable if the money is in your account; keep a gift deed and evidence of the transfer.
FAQ
How much proof of funds do I need for Express Entry in 2026?
$15,263 CAD for one person, $19,001 for two, $23,360 for three and $28,362 for four, plus $4,112 for each family member beyond seven (IRCC, updated July 7, 2025).
Do CEC candidates need proof of funds?
No. Canadian Experience Class candidates, and anyone with a valid job offer who is authorized to work in Canada, don't need to show settlement funds.
Can I use borrowed money as proof of funds?
No. The funds must be your own (or your accompanying spouse's), readily available, and not borrowed. Equity in property doesn't count.
Source
Amounts from IRCC's Proof of funds page. This calculator is unofficial; always confirm on canada.ca before applying.