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) $22,229
2 Persons $27,674
3 Persons $34,022
4 Persons $41,307
5 Persons $46,850
6 Persons $52,838
7 Persons $58,827
Each additional person $5,989

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 $20,975
1 $28,315
2 $34,958
3 $40,205
4 $44,747
Each additional dependent $4,542

Basic needs of Sponsored Person(s):

Persons 18 and over Persons under 18 Annual gross amount required by sponsor
0 1 $7,261
0 2 $11,507
The annual gross amount required is increased by $3,837 for each additional person under 18.
1 0 $15,343
1 1 $20,614
1 2 $23,276
The annual gross amount required is increased by $2,660 for each additional person under 18.
2 0 $22,499
2 1 $25,204
2 2 $27,207
The annual gross amount required is increased by $1,997 for each additional person under 18 and by $7,153 for each additional person over 18.
 

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