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    Financial ability

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    Family Class Sponsorship for those Residing in Canada (Excluding Quebec)

    The Financial requirements for Canada Family Class Sponsorship for those residing in Canada (excluding Quebec) are as follows:

    A sponsor must demonstrate a level of income that meets the minimum necessary income or low-income cut-off (LICO) for 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, one must 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

    2 Persons

    $37,708

    3 Persons

    $46,354

    4 Persons

    $56,280

    5 Persons

    $63,833

    6 Persons

    $71,991

    7 Persons

    $80,153

    Each additional person

    $8,148

    If the Sponsor is unable to demonstrate a financial ability to provide for the essential needs of the immigrant, 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.

    Family Class Sponsorship for those Residing in Quebec

    Financial requirements for Canada Family Class Sponsorship for those residing in Quebec are as follows.

    A Canadian sponsor residing in Quebec must demonstrate a level of income that meets the minimum income for 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 cut-off over the last 12 months.

    Basic needs of the sponsor and dependent persons:

    Number of dependent persons

    Gross annual income of sponsor

    0

    $22,147

    1

    $29,897

    2

    $36,912

    3

    $42,452

    4

    $47,247

    Each additional dependent

    $4,795

    Basic needs of Sponsored Person(s):

    Persons 18 and over

    Persons under 18

    Annual gross amount required by sponsor

    0

    1

    $7,666

    0

    2

    $12,150

    The annual gross amount required is increased by $4,008 for each additional person under 18.

    1

    0

    $16,200

    1

    1

    $21,766

    1

    2

    $24,576

    The annual gross amount required is increased by $2,778 for each additional person under 18.

    2

    0

    $23,756

    2

    1

    $26,613

    2

    2

    $28,728

    The annual gross amount required is increased by $2,109 for each additional person under 18 and by $7,553 for each additional person over 18.

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