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    Immigration Guide

    How Much Money Do You Need to Immigrate to Canada in 2026? Complete Cost Breakdown

    7 min readApril 1, 2026
    Quick Answer

    Total Canada immigration cost: CAD 2,500-3,500 (₹1.5-2.5 lakhs) for a single Express Entry applicant. Includes IRCC fees (CAD 1,365), IELTS (CAD 350), WES (CAD 300), medical (CAD 250-400), biometrics (CAD 85), and police clearances. You also need proof of funds: CAD 14,690 minimum for a single applicant.

    Table of Contents

    The total cost of immigrating to Canada in 2026 ranges from CAD 2,500 to CAD 8,000 (₹1.5-5 lakhs) in mandatory fees, depending on your pathway. Here's every expense itemized.

    Quick Answer: Total Costs by Pathway

    PathwayTotal Cost (CAD)Total Cost (INR)

    |---------|-----------------|-----------------|

    Express Entry (single)$2,500-3,500₹1.5-2.5 lakhs
    Express Entry (family of 3)$5,000-7,000₹3-5 lakhs
    Study permit$20,000-35,000/year₹12-20 lakhs/year
    LMIA work permit$2,000-3,500₹1.2-2.5 lakhs

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    Express Entry Fee Breakdown 2026

    Government Fees (Mandatory)

    FeeAmount (CAD)Amount (INR)

    |-----|-------------|-------------|

    PR processing fee$850~₹52,000
    Right of PR fee$515~₹31,000
    Biometrics$85~₹5,200
    Medical exam$250-400~₹5,000-8,000
    Police clearance$50-100~₹500-2,000
    **Subtotal****$1,750-1,950****~₹94,000-1,00,000**

    Pre-Application Costs

    FeeAmount (CAD)Amount (INR)

    |-----|-------------|-------------|

    IELTS exam$350~₹16,000
    WES credential evaluation$300~₹15,000
    Document translation$100-300~₹5,000-15,000
    **Subtotal****$750-950****~₹36,000-46,000**

    Proof of Funds Requirement

    You must show sufficient settlement funds (not a fee — just proof in your bank):

    Family SizeMinimum Funds (CAD)

    |-------------|-------------------|

    1 person$14,690
    2 people$18,288
    3 people$22,483
    4 people$27,297

    Hidden Costs Most People Forget

  1. Additional IELTS attempts: — many applicants take 2-3 tests ($350 each)
  2. Courier and postage: — sending documents internationally ($50-100)
  3. Notarization: — certified copies of documents ($50-200)
  4. Spouse's IELTS: — if applying together ($350)
  5. Education credential assessment for spouse: — ($300)
  6. Travel to visa application center: — varies by location
  7. 📋 Ready to start your immigration journey?

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    How to Save Money on Immigration

    1. **Prepare IELTS thoroughly** to avoid multiple attempts

    2. **Get documents ready early** to avoid rush courier fees

    3. **Use PTE Core** for faster, cheaper results than IELTS

    4. **Apply to multiple PNP streams** without additional government fees

    5. **Book medical early** — last-minute appointments cost more

    Monthly Cost of Living After Arrival

    CityMonthly Cost (CAD)

    |------|-------------------|

    Toronto$2,500-3,500
    Vancouver$2,500-3,500
    Calgary$2,000-2,800
    Winnipeg$1,500-2,200
    Halifax$1,800-2,500

    Get a personalized cost estimate for your specific situation — book a free assessment with Garg Brothers.

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    Frequently Asked Questions

    Is the proof of funds a fee I have to pay?+
    No. Proof of funds is not a payment — you just need to show you have the money available in your bank account. The funds must be accessible and transferable. After landing in Canada, the money is yours to use for settlement expenses.
    Can I include my spouse's bank balance for proof of funds?+
    Yes. If applying with a spouse, you can combine bank balances to meet the proof of funds requirement. Both accounts should show consistent deposits over at least 3-6 months — sudden large deposits may raise questions.
    Are immigration consultant fees included in the cost?+
    No. The costs listed are government and mandatory third-party fees only. Consultant fees vary. Garg Brothers offers a free initial assessment and transparent pricing — you'll know exact costs before committing.
    Do I need to pay all fees at once?+
    No. Fees are paid at different stages: IELTS and WES before profile creation, biometrics after profile, medical after ITA, and IRCC processing fees with your PR application. This spreads costs over 6-12 months.

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