How much proof of funds do I need for Express Entry in 2026?

By family size (IRCC, 50% of LICO, updated July 2025): 1 person $15,263, 2 people $19,007, 4 people $28,362, and $4,112 added for each person beyond 7. Count yourself, your spouse/partner, and all dependent children — even if they are not coming with you or are already Canadian citizens/PRs.

Who is exempt from the Express Entry proof of funds requirement?

You do NOT need to show settlement funds if you are applying through the Canadian Experience Class (CEC), or if you are authorized to work in Canada and have a valid job offer — even under FSW or FST. Everyone else in the Federal Skilled Worker and Federal Skilled Trades programs must show the funds.

What counts as acceptable proof of funds?

Official letters from your financial institutions, on their letterhead, listing account numbers, balances, and the date opened. The money must be readily available, liquid, free of debt, and cannot be borrowed. Screenshots, personal statements, equity in property, or someone else's account are not accepted.

Why should I keep more than the minimum?

Because exchange rates move daily and your funds are checked again at the end of processing, keep a buffer of about $1,000–$2,000 CAD above the minimum so a currency dip doesn't drop you below the line — a top refusal reason.

Express Entry Proof of Funds Calculator (2026)

For 2026 Express Entry (FSW and FST), you must prove settlement funds of at least $15,263 for a single applicant, $19,007 for two people, or $28,362 for a family of 4 — plus $4,112 for each person beyond 7. Canadian Experience Class applicants and those with a valid job offer + work permit are exempt. (IRCC, updated July 2025.)

Cifras verificadas el June 12, 2026 contra las fuentes oficiales listadas abajo.

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Family size (include everyone, even if not coming)

I'm applying through Canadian Experience Class (CEC), or I have a valid job offer with a work permit

Count yourself, your spouse/common-law partner, and all dependent children — even those not accompanying you or already Canadian citizens/PRs.

Settlement funds required

$15,263

Keep a buffer — aim for about $17,263 so a currency-rate dip during processing doesn't drop you below the minimum.

Must be liquid and readily available — not tied up in property or investments you can't access.
Cannot be borrowed; must be free of debt.
Proven with official bank letters, not screenshots or personal statements.

Su probable siguiente paso

Calculadora de CRS para Express Entry (2026) →

Estime su puntaje del Comprehensive Ranking System (CRS) — con puntos por hermano, francés y PNP.

Calculadora de Tarifas de PR de Canadá (2026) →

El costo total de su solicitud de PR con las nuevas tarifas del 30 de abril de 2026 — tarifas gubernamentales más los extras reales (exámenes, ECA, exámenes médicos).

Verificador de Elegibilidad para la Ciudadanía Canadiense (2026) →

¿Es usted elegible para solicitar la ciudadanía? Cuente sus días — incluyendo el crédito de medio día previo a la PR — y vea su fecha más temprana de solicitud.

Preguntas frecuentes

How much proof of funds do I need for Express Entry in 2026?: By family size (IRCC, 50% of LICO, updated July 2025): 1 person $15,263, 2 people $19,007, 4 people $28,362, and $4,112 added for each person beyond 7. Count yourself, your spouse/partner, and all dependent children — even if they are not coming with you or are already Canadian citizens/PRs.
Who is exempt from the Express Entry proof of funds requirement?: You do NOT need to show settlement funds if you are applying through the Canadian Experience Class (CEC), or if you are authorized to work in Canada and have a valid job offer — even under FSW or FST. Everyone else in the Federal Skilled Worker and Federal Skilled Trades programs must show the funds.
What counts as acceptable proof of funds?: Official letters from your financial institutions, on their letterhead, listing account numbers, balances, and the date opened. The money must be readily available, liquid, free of debt, and cannot be borrowed. Screenshots, personal statements, equity in property, or someone else's account are not accepted.
Why should I keep more than the minimum?: Because exchange rates move daily and your funds are checked again at the end of processing, keep a buffer of about $1,000–$2,000 CAD above the minimum so a currency dip doesn't drop you below the line — a top refusal reason.

Cambios recientes

June 12, 2026: Added the tool with the IRCC settlement-funds table effective July 2025 (50% of LICO).

Fuentes oficiales

IRCC — Proof of funds for Express Entry (canada.ca)

Esta herramienta ofrece únicamente información general y estimaciones. No constituye asesoría migratoria, legal, fiscal ni financiera. Para asesoría migratoria, consulte a un consultor RCIC con licencia o a un abogado de inmigración; para asuntos de impuestos, consulte a la CRA o a un contador. Confirme siempre los requisitos vigentes en los sitios oficiales del Gobierno de Canadá / Columbia Británica antes de actuar.