IRCC asks you to prove you can pay for tuition, living expenses and return transport without working in Canada. For applications on or after 1 September 2026, living costs for one person outside Quebec are CAD 23,448 per year, up from CAD 22,895. This calculator adds your tuition and transport to the official living-cost figure for your family size.
Read the full explanation, accepted documents and common mistakes in our Canada study permit proof of funds guide. Planning to stay and work afterwards? See the PGWP guide and the study permit cap and PAL guide.
No. IRCC says the living-expense amounts do not include tuition and transportation, so both are added on top.
The date you apply. Applications from 1 January 2025 to 31 August 2026 use the older chart; applications on or after 1 September 2026 use the new one.
Yes. Quebec sets its own financial requirement for the Quebec Acceptance Certificate (CAQ), so this calculator covers the other provinces and territories.
