Study in Canada: Total Cost Calculator 2026

Estimate the real 2026 cost of studying in Canada: tuition by province, IRCC fees, living costs, and health insurance for your student visa.

Key Takeaways

  • The study permit application fee is $150, plus $85 for biometrics ($170 family maximum).
  • IRCC requires proof of at least $20,635/year in available funds (outside Quebec) for living costs.
  • Tuition varies significantly by province — Ontario and BC tend to be highest for international students.
  • Some provinces (BC, AB, SK, MB, NL) provide public health coverage after a waiting period.
  • Quebec requires a separate CAQ (Certificat d'acceptation du Quebec) in addition to the study permit.

Study Permit Cost Calculator for International Students

Planning to study in Canada? Understanding the full cost is essential for your study permit application. IRCC requires proof of financial support covering tuition, living expenses, and other costs. This calculator provides a comprehensive estimate by province and program level.

How It Works

Enter your province, program level (undergraduate or graduate), program duration, and family details. The calculator estimates government fees, tuition ranges by province, IRCC minimum living costs, and health insurance. Costs are shown for both the first year and the full program duration.

Proof of Financial Support

When applying for a study permit, you must demonstrate you have enough money to cover tuition, living expenses, and return transportation. IRCC sets minimum fund requirements: $20,635/year outside Quebec, or $13,134/year in Quebec (which has its own financial requirements under the CAQ). Additional amounts are required for accompanying family members.

Tuition Costs by Province

International student tuition in Canada varies widely. Ontario universities charge $25,000-$55,000/year for undergraduates, while Newfoundland ranges from $12,000-$22,000. Graduate tuition is generally lower. These are averages — specific programs (engineering, business, medicine) can cost significantly more. Always check your specific institution for exact tuition.

Health Insurance for International Students

Most international students need private health insurance. However, several provinces provide public health coverage: British Columbia (MSP), Alberta (AHCIP), Saskatchewan, Manitoba, and Newfoundland. In these provinces, you only need private coverage during an initial waiting period (typically 3 months). In all other provinces, plan for $600-$1,200/year for private health insurance.

Key Facts

  • The study permit application processing time varies from 1-16 weeks depending on your country.
  • You can work up to 20 hours/week off-campus during academic sessions with a valid study permit.
  • Your spouse may be eligible for an open work permit while you study.
  • Study permit extensions cost $150 and should be submitted before your current permit expires.
  • Biometrics are valid for 10 years — you may not need to redo them for future applications.

FAQ

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, 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?

Most provinces with public coverage have a waiting period (usually 3 months) before coverage begins. You need private insurance during this gap. After the waiting period, you are covered by the provincial plan at no additional cost.

Updated April 2026. Information on this page is provided for educational purposes only. Tax rules, rates, and government programs may change — verify details with the CRA or a qualified financial advisor.