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.)
数据已于 June 12, 2026 对照下方列出的官方来源核实。
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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.
您可能的下一步
常见问题
- 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.
近期更新
- June 12, 2026: Added the tool with the IRCC settlement-funds table effective July 2025 (50% of LICO).
官方来源
本工具仅提供一般信息和估算结果，不构成移民、法律、税务或财务建议。如需移民建议，请咨询持牌移民顾问（RCIC）或移民律师；税务问题请咨询 CRA 或会计师。采取任何行动前，请务必在加拿大政府/BC 省政府官方网站上确认最新要求。