Study in Canada: Total Cost Calculator 2026

Frequently asked questions

Do I need a CAQ for studying in Quebec?

Yes. Quebec requires a Certificat d'acceptation du Quebec (CAQ) before you can apply for a study permit. The CAQ application fee is approximately $127 and is not included in this calculator's estimates.

Can I bring my family on a study permit?

Yes. Your spouse may apply for an open work permit, and children can attend Canadian schools. You must demonstrate additional financial support: approximately $4,000/year per spouse and $3,000/year per child.

Are living cost estimates accurate?

The amounts shown are IRCC minimum requirements for proof of funds (at least $20,635/year outside Quebec, or $13,134/year in Quebec (which has its own financial requirements under the CAQ)) not actual living costs. Real expenses in major cities (Toronto, Vancouver) are typically higher. Use these as a minimum baseline for your budget planning.

Do I need health insurance if my province provides public coverage?

Several provinces provide public health coverage to international students (British Columbia (MSP), Alberta (AHCIP), Saskatchewan, Manitoba, and Newfoundland) but coverage usually begins only after a waiting period (typically 3 months), so you need private insurance during this gap. After the waiting period, you are covered by the provincial plan at no additional cost. In all other provinces, plan for $600-$1,200/year for private health insurance.

How does this calculator work?

Enter your province, program level (undergraduate or graduate), program duration, and family details. The calculator estimates government fees ($150 study permit application plus $85 biometrics, with a $170 family maximum), tuition ranges by province, IRCC minimum living costs, and health insurance. Costs are shown for both the first year and the full program duration.