Quick answer: plan for tuition (international undergraduates averaged about CA$42,062 a year in 2026/2027, according to Statistics Canada; see the cheapest universities and provinces) plus living costs. For a study permit, IRCC asks single applicants to show CA$23,448 for living expenses, on top of first-year tuition and travel, for applications from September 1, 2026.
Cost is the biggest barrier for most international students. This guide breaks down tuition, living costs, the proof of funds IRCC asks for, and the one-time fees you’ll pay along the way.
This guide is general information based on official sources. Your own requirements depend on your situation, and IRCC makes every decision, so check the official pages before you apply.
Average tuition fees in Canada
| Student | Average annual tuition, 2025/2026 |
|---|---|
| International undergraduate | about CA$42,062 |
| International graduate | about CA$24,028 |
| Canadian undergraduate (for comparison) | about CA$7,734 |
Averages hide big differences. Medicine, engineering and business usually cost more, and fees vary widely between provinces and schools. College diploma programs often cost less than university degrees.
Proof of funds for a study permit
IRCC requires you to show you can pay your first year of tuition plus living expenses. The living expense amounts (outside Quebec) increased on September 1, 2026:
| People in your family (including you) | Applications from Sept 1, 2026 | Jan 1, 2025 to Aug 31, 2026 |
|---|---|---|
| 1 | CA$23,448 | CA$22,895 |
| 2 | CA$29,192 | CA$28,502 |
| 3 | CA$35,888 | CA$35,040 |
| 4 | CA$43,572 | CA$42,543 |
| Each additional person after 7 | CA$6,318 | CA$6,170 |
These amounts don’t include tuition or travel. Quebec sets its own amounts for the CAQ.
Ways to show your funds
- Guaranteed Investment Certificate (GIC) from a Canadian bank
- Bank statements for the past six months
- Proof of a student or education loan
- Receipt for tuition and housing fees already paid
- Scholarship or funding letter
- A letter from the person supporting you, with proof of their funds
One-time costs to budget for
| Cost | Typical amount |
|---|---|
| University application fees | About CA$100 to CA$150 per school (how to get a fee waiver) |
| Language test | Varies by test and country |
| Study permit fee | CA$150 |
| Biometrics | CA$85 |
| Medical exam and police certificate | If required; varies by country |
| Flights and first-month setup | Rent deposit, winter clothing, phone |
Ways to reduce the cost
- Look at schools in smaller cities, where rent is much lower.
- Apply early for entrance scholarships.
- Consider a college diploma or a graduate program, which can cost less per year.
- Use your work rights: up to 24 hours a week during terms if eligible.
Frequently asked questions
How much money do I need to show for a Canadian study permit?
For one person applying from September 1, 2026: first-year tuition, plus CA$23,448 for living expenses, plus travel costs.
Is a GIC mandatory?
No. It’s one accepted option, but other proof such as bank statements, loans and scholarships also works.
Can I work to pay my tuition?
Part-time work helps, but IRCC expects you to show enough funds before you arrive, without relying on future work income.