Canada Express Entry Proof of Funds Calculator

Express Entry candidates in the Federal Skilled Worker (FSW) and Federal Skilled Trades (FST) programs must prove they have enough money to settle in Canada. The required amount is not a guess — IRCC sets it at 50% of the Statistics Canada Low Income Cut-Off (LICO), before tax, for an urban area of 500,000 or more people, calculated for each family size. IRCC re-bases the table roughly once a year, usually in summer, when Statistics Canada releases the updated LICO. The figures on this page are the table that took effect 28 July 2025.

1. Work out your family size. Count yourself, plus your spouse or common-law partner, plus every dependent child (and any dependent children of those children). IRCC counts these people even if they are not coming with you — the only exception is a spouse who is already a Canadian citizen or permanent resident.
2. Look up the required funds. The tool reads the official IRCC amount for your family size from the table below:
   • 1 person: CA$15,263
   • 2 people: CA$19,001
   • 3 people: CA$23,360
   • 4 people: CA$28,362
   • 5 people: CA$32,168
   • 6 people: CA$36,280
   • 7 people: CA$40,392
   • Each additional person: + CA$4,112
3. Extend beyond seven. For a family larger than seven, the tool uses funds(7) + (N − 7) × 4,112. The published table is already a constant CA$4,112 step from family size five onward (CA$32,168 → CA$36,280 → CA$40,392), so this extension continues the exact same progression — a built-in cross-check that the constant is right.
4. Apply exemptions. If you have a valid job offer with work authorisation, or you are applying under the Canadian Experience Class, the proof-of-funds requirement does not apply. The tool shows the reference figure but marks you as exempt.
5. Convert to rupees (optional). Multiplying the CAD requirement by an editable exchange rate gives a rough Sri Lankan Rupee figure. The Canadian-dollar amount is the authoritative one; the LKR value is only an estimate because rates change daily.

The money you show must be unencumbered — your own, legally accessible, not borrowed, and not the equity in a property. IRCC minimums are a floor: an officer can ask for more, and application, biometric and right-of-permanent-residence fees are separate and not counted here.

• IRCC — Immigrate through Express Entry: Proof of funds
• Statistics Canada — Low income cut-offs (LICOs) by community and family size
• Government of Canada — Express Entry program overview

The settlement-funds table on this page was last cross-checked against the IRCC Express Entry proof-of-funds page on 2026-07-18. IRCC updates the amounts roughly once a year; confirm the live figure on canada.ca before you submit an application.