Financial Ability

Financial requirements for Canada Family Class Sponsorship for those residing in Canada (excluding Quebec):

A Sponsor must demonstrate a level of income that meets the minimum necessary income or low-income cutoff (LICO) for a given family size, as established by Statistics Canada. The Sponsor is freed from this requirement if:

• The individual requiring sponsorship is the spouse, common-law partner or conjugal partner of the Canadian Sponsor; or
• The individual requiring sponsorship is the dependent child of the Canadian Sponsor.

To determine if the Sponsor's total income is sufficient, deduct the following from the total family income:

• Workmen's compensation board payments, except for permanent disabilities;
• Payments from provincial or municipal sources for welfare assistance;
• Payments from federal, provincial or municipal sources for employment training, or for any social or welfare benefits which are not of a fixed and continuing nature; and
• All debts.

The resulting amount must exceed the minimum income levels shown in this chart:

Size of Family Unit	Minimum necessary income
1 Person (the Sponsor)	$21,202
2 Persons	$26,396
3 Persons	$32,450
4 Persons	$39,399
5 Persons	$44,686
6 Persons	$50,397
7 Persons	$56,110
Each additional person	$5,713

If the Sponsor is unable to demonstrate a financial ability to provide for essential needs, his or her spouse, common-law partner, or conjugal partner may act as a co-signer, if:

• Their combined income meets the minimum necessary income; and
• The co-signer meets all the other sponsorship requirements of a valid Sponsor.

Financial requirements for Canada Family Class Sponsorship for those residing in Quebec:

A Canadian Sponsor must demonstrate a level of income that meets the minimum income for a given family size, as established by the Quebec government in the chart below. The Sponsor is free from this requirement if:

• The individual requiring sponsorship is the spouse, common-law partner or conjugal partner of the Canadian Sponsor; or
• The individual requiring sponsorship is the dependent child of a Canadian Sponsor.
• The Sponsor must be able to prove a steady income and one that has consistently exceeded the low income cutoff over the last 12 months.

Basic needs of Sponsor and Dependent Persons:

Number of dependent persons	Gross annual income of Sponsor
0	$19,421
1	$26,218
2	$32,369
3	$37,227
4	$41,433
Each additional dependent	$4,205

Basic needs of Sponsored Person(s):

Persons 18 and over	Persons under 18	Annual gross amount required by sponsor
0	1	$6,724
0	2	$10,655
The annual gross amount required is increased by $3,552 for each additional person under 18.
1	0	$14,207
1	1	$19,088
1	2	$21,552
The annual gross amount required is increased by $2,462 for each additional person under 18.
2	0	$20,832
2	1	$23,338
2	2	$25,192
The annual gross amount required is increased by $1,850 for each additional person under 18 and by $6,623 for each additional person over 18.