01
Proof of funds pack
A script for the email and the branch visit, a checklist of everything the bank letter must show, a multi-account tracker, a six-month balance worksheet, and a gift letter template.
Tracks / From abroad (FSW)
Applying from abroad? Get your Express Entry documents ready before your ITA lands.
Reference letters from employers back home, a bank letter that shows what it needs to, and a plan for the 60 days. For Federal Skilled Worker applicants anywhere.
Get the kit for $29
Instant download. English and French editions, in Word, Google Docs, and PDF.
01 / The problem
Your employer back home has never seen an IRCC reference letter.
You ask for a letter. You get a one-line certificate of service, or a letter on plain paper with no phone number and no duties. Maybe the company closed. Maybe your old manager moved on years ago.
Then there's the bank. A statement isn't a letter, and the letter has to show a lot more than today's balance.
How the 60 days go when you start lateDay
01
Invitation lands. You email three past employers in two countries.
09
Your bank says the letter takes two weeks. Nobody asked about the six-month average.
23
One employer sends a certificate of service. No duties, no hours.
38
Police certificate still processing. Your name is spelled two ways across your documents.
60
Deadline. No extensions for slow banks.
The people who submit on time started collecting documents before the invitation came.
02 / What it costs you
If you're applying as a Federal Skilled Worker, your money has to be on paper.
Unless you're authorized to work in Canada and have a valid job offer, you must show you have enough money to settle, both when you apply and when you land. That means an official letter from every bank and investment account where you keep it. A screenshot of your banking app won't do it.
Get it wrong and you're back at the branch, asking for a second letter, while the clock keeps running.
A printout of last month's statement.
Account ending 4471. Closing balance shown. No signature, no opening date, nothing on debts.
Missing: six-month average, debts, opening dates
- The bank's letterhead, with its address, phone, and email
- Your name (tip: make it match your passport)
- Every bank and investment account, with its number
- The date each account was opened
- Current balance of each account
- Average balance for the past six months
- Any outstanding debts, like loans and credit cards
The number to hit
How much you need to show, 2026.
Your family size counts you, your spouse or partner, and your dependent children, even if they aren't coming with you. The money can't be borrowed, and you have to be able to legally access it.
Source: IRCC, Express Entry proof of funds page (table dated July 7, 2025, still current as of September 30, 2026). IRCC updates it every year, so check before you apply.
| Family members | Funds needed (CAD) |
|---|---|
| 1 | $15,263 |
| 2 | $19,001 |
| 3 | $23,360 |
| 4 | $28,362 |
| 5 | $32,168 |
| 6 | $36,280 |
| 7 | $40,392 |
| Each extra person | $4,112 |
03 / The fix
What you'll use most
The whole kit is yours: five modules and a bonus. These are the parts Federal Skilled Worker applicants outside Canada open first.
02
Reference letters
Templates your employers can fill in, scripts to request them, and a letter of explanation for when a company has closed or won't sign, with a checklist of proof to attach.
03
Letters of explanation
Ready-to-edit letters for name spelling mismatches, address differences, employment gaps, and documents that are missing or delayed.
04
The 60-day roadmap
Week by week from invitation to submission, with a tracker that shows what's requested, received, checked, and uploaded.
Bonus
Pre-ITA readiness checklist
What to start collecting now, ordered by how long each document takes.
Guides for your situation
How this kit was built
From IRCC's own documents. Nothing made up.
Every requirement in the kit comes from IRCC's published guidance: its instructions for work experience letters and proof of funds, the Express Entry Year-End Report, and the official rounds of invitations data. Every number on this site names its source.
When IRCC changes a rule, the files get updated and you get the new version free.
What this isn't: advice from an immigration consultant or a lawyer. The kit is general information. If your situation is complicated, hire a licensed RCIC or lawyer. You'll still need these documents either way.
- Built from IRCC guidance
- Every stat sourced
- Free updates
- Not affiliated with IRCC
Orderv2026.1
The Express Entry 2026 Document Kit
US$29
One time. Free updates when IRCC changes its requirements.
- All five modules plus the bonus checklistIncluded
- English and French editionsIncluded
- Word, Google Docs, and PDFIncluded
- Instant downloadIncluded
Price in US dollars. In many countries Gumroad lowers it automatically at checkout, based on local purchasing power.
Digital download. All sales are final.
- Independent guide. Not a government site.
- We never call you. No phone number needed.
- Secure checkout by Gumroad.
Questions
FAQ
I'm outside Canada. Does it work for me?
Yes. The reference letters, proof of funds pack, and roadmap apply to FSW and FST applicants wherever you live.
My old company closed. What now?
IRCC lets you upload a letter explaining why, plus whatever proof you have, like contracts, pay stubs, and tax records. It isn't guaranteed to be accepted. The kit includes that letter and a checklist of what to attach. If your case is unusual, talk to a licensed RCIC or lawyer.
Can family help with my settlement funds?
IRCC doesn't publish a rule on gifted money. It does say you can't borrow the funds and that you must be able to legally access them. The kit explains what IRCC does say and includes a gift letter template, which is a common practice, not an IRCC form. If a large gift is involved, talk to a licensed RCIC or lawyer.
Do I need this before I get an ITA?
That's the best time. Bank letters and letters from past employers can take weeks, and the 60-day clock doesn't pause while you wait.
Is this legal advice?
No. These are general templates and checklists. For advice on your own file, use a licensed RCIC or lawyer.
Can't I find all this online for free?
Yes, you can. IRCC publishes its rules, and the forums are full of advice. You're welcome to piece it together yourself, no hard feelings. We spent the hours reading IRCC's guides, year-end reports, and draw data, turned it into fill-in templates and checklists, and we keep it current when IRCC changes something. The $29 buys you those hours back.
Can I get a refund?
No. All sales are final. It's a digital download, the files are yours the moment you buy, and a lot of research goes into building it and keeping it up to date. Read the full list of what's inside before you order.