Financial Ability
Family Class Sponsorship for those Residing in Canada (Excluding Quebec)
The financial ability 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 financial ability 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.
| 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.
Minimum Necessary Income (MNI)
To sponsor their family members, some family sponsorship programs have a requirement that the sponsor must have a certain financial ability level to support both themselves and the family members they wish to sponsor. This is assessed by IRCC using the Minimum Necessary Income (MNI).
How to Calculate Family Unit Size
To determine the financial ability (low-income cut-off ) for sponsoring individuals to Canada, you need to consider the size of both your family unit in Canada and the individuals you want to sponsor. To calculate your family size, you must count:
- Yourself
- Your spouse or common-law partner
- Your dependent children, if any and
- The number of persons you are applying to sponsor
- The number of dependent family members of that person, whether or not they are accompanying them
- The number of persons currently covered by valid undertakings that you have signed or co-signed in the past
- The number of persons currently covered by valid undertakings that your co-signed has signed or co-signed in the past
For any changes or updates please contact Mr. Vikas – Founder of Total Visa Immigration for correct details.
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