PGP Income Requirements

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PGP Income Requirements

PGP Income Requirements

Transcript: PGP Income Requirements 0:16

In today’s episode, we’re going to look at how to calculate your income when looking to sponsor parents, grandparents, or both to immigrate to Canada. And put simply when you apply to sponsor your parents or grandparents, you have to prove that you have enough money set aside through either through savings or earnings or dividends or from a gift to meet the income requirements in order to do it.

Now, the income requirement does vary for parents and grandparent applicants, depending on the size of your immediate family. It depends on your immediate family, the number of people being sponsored. And of course, whether you’re sponsoring family members in say, British Columbia or Quebec, there’s going to be a little difference between Quebec and the other Canadian provinces.

So the first thing we need to do when working out your income requirements for the PGP visa is actually calculate the size of the family unit right now. And the size of the family unit is based on who you (being the sponsor), are currently supporting in Canada right now, as well as anyone who you are planning to sponsor in the future.

This is because the IRCC really want to see that you’ve got enough funds or enough resources to be able to support yourself, your immediate family and anyone else who you’re looking to bring into the country. And the main reason for this is simply that they want to ensure that anyone coming into the country isn’t going to be an immediate financial burden on the state.

So then how do we count family members? Well, for the purposes of the PGP family members are going to include yourself, obviously, your husband or wife, spouse or boyfriend or girlfriend, common law partner, any dependent children that you have, any dependent children that your husband or wife or spouse or partner has. It’s going to include any other person that you previously sponsored in the past for who you are perhaps still financially responsible.

It’s going to include the parents and grandparents that you want to sponsor. And of course, your parents and grandparents, their spouse, partner and dependent children, even and this is interesting… even if they are not coming to Canada with them.

Do remember that when applying to sponsor your parents or grandparents and any dependent children that they that they have, if their children are over the age of 22 or not in full time education, they are not considered dependent. They will have to apply for Canadian immigration under a different applicable program.

Okay, so how does this all fit together? Well, the IRCC is going to look at your income for the three consecutive tax years before you make the application. And they’re going to look at your income versus the amount of people in your immediate family unit as per the calculation for the PGP visa.


This is called the minimum necessary income. And it applies to the sponsor, not to their parents or grandparents. Although thankfully they do have a little bit of leeway, which means that perhaps if you can’t quite make the minimum necessary income, then you can apply to have your spouse or common law partner as a cosigner to help meet the financial requirements of this undertaking.

Now the minimum necessary income does change each year. It does tend to sometimes fluctuate, fluctuate upwards and downwards, although more often than not it does increase year upon year. So as of right now, the minimum necessary income for you as the sponsor with a family size of two people will be $32,270 Canadian dollars. If you have three people in your family unit, it would be $39,672 for four people it’s $48,167. For five people, it’s $54,630. For six people it’s $61,613. If there’s seven people, it’s $68,595. And for every additional person above seven, it would be an extra $6985 Canadian dollars.

And you might say to yourself, hey, it’s pretty easy for me to be able to show this or to be able to demonstrate it. I can either demonstrate it directly from income from my employer, or, you know, even in the case of being self employed, you’re going to need to provide your notice of assessment from the Canada Revenue Agency for each of the three previous taxation years.

Okay, so if you’re moving to Quebec, it’s always going to be a little bit different because obviously, Quebec has more autonomy in terms of its immigration system compared to any of the other provinces and so in this instance, the main difference is that while the other provinces in Canada require you to go back over the past three years, with Quebec, they only require you to demonstrate that you’ve made the income requirements over the last 12 months.

And of course, these income requirements are slightly different as well. So if the family unit consists of one person, then you’re going to be looking at a basic annual income requirement of $24,602. If there’s two people, even for example, you and a child or you and your husband or spouse or wife, then that’s going to be $33,209. If there’s three of you in the family unit $41,001. If there’s four people it’s going to be $47,156. And if there’s five people $52,482 And again, because Quebec is a little bit different for every person over the number of five, then it’s going to be an extra $5326 Canadian dollars.

With this PGP application, a lot of people have said to me over the years Hey, Monty, we are making Okay money here, but I can’t quite meet the income requirements that are being set down by myself. Then what we’re doing in this instance, is bringing in a cosigner so this is where your common law partner or your spouse can submit a form to confirm that they have common law status or spousal status, along with the PGP application.

Now, it doesn’t matter how long you’ve been together, you could be together for eight months or 18 years, the IRCC are going to look at the co-signers income as well for the past three years. Again, if they’re outside of Quebec it will be for the past 12 months. If they’re resident in Quebec, the cosigner must meet the same eligibility requirements as you being the sponsor. And of course, they also make a legal agreement to or a legal undertaking to financially take care of and support your sponsor, parent or grandparent or both. for a certain period of time.

A PGP cosigner must be at least 18 years old, must be living in Canada as a Canadian citizen or permanent resident alongside some other criteria. One of the things to remember though, is the seriousness of the financial obligation or the financial undertaking that you were sponsor or sponsors will be making in terms of this PGP application.


If the original sponsor falls short of financial obligations, both parties are held jointly liable. So you’re held jointly and severally liable for the outstanding financial commitments so it’s something to definitely bear in mind.

Now, obviously, the application for parent and grandparent immigration to Canada is in depth and it is certainly lengthy and working out your income requirements, as far as that PGP application goes is only one small part of a larger overall process. But don’t be dissuaded because it’s actually relatively straightforward, and relatively simple and we’ll just go through it in baby steps point by point by point until you make a successful application. So do head over to In order to find out more information.