Get The Best Insurance Quote From Canadian L.I.C
Call 1 844-542-4678 to speak to our advisors.
Low Income Cut-Off (LICO)
Updated 2026
The Low Income Cut-Off (LICO) Table 2026
Welcome to our LICO Table resource page. The Low Income Cut-Off (LICO) table is a crucial tool used across Canada to determine low-income thresholds, impacting access to various financial programs and assistance.
What is the LICO Table?
The Low Income Cut Off (LICO) table is a key reference used to determine income thresholds that are significant for evaluating financial health by household size and by geographic area in Canada, and it is created and administered by Statistics Canada. These thresholds represent the minimum income considered adequate to maintain a modest standard of living in the country.
This is an invaluable tool that fundamentally helps in identifying households or individuals whose income is below the set thresholds. Through multiple considerations — including household composition and geography — the LICO table provides a holistic picture of the income thresholds necessary to meet the spending needed for basic necessities like food, housing and clothing.
The LICO table is updated every year, making it relevant and reflective of the changing economic environment as well as the cost-of-living variations across different regions. Yeah, this income guidance helps government agencies, policymakers, and organizations to determine the right assistance programs for people who are on the border of the poverty line or require financial assistance for better living, health, and provide essential services for a civilized society.
How does the LICO Table Work?
The LICO table is essential for determining the income levels required to achieve a minimum standard of living in various Canadian regions and among households of differing sizes. It considers the specific needs of different sizes of families and the cost of living in different areas. This data, updated yearly by Statistics Canada, provides a richer and updated perspective of income benchmarks.
By documenting these differences, which highlight the varying financial needs of communities across the country, the LICO table exemplifies the differences between communities and regions of Canada. It gives insight into the results across different economic situations, ensuring that there is a detailed understanding of whether income is sufficient based on one’s location and household size.
Knowing these methods is important (it affects eligibility for many government assistance programs and services). The LICO table lays the groundwork for evaluating cash requirements, enabling people and decision-makers to make informed decisions and distribute resources according to their needs.
Low Income Cut-Off (LICO)
The LICO table below illustrates income thresholds based on 2025 statistics for various household sizes and locations across Canada:
| SIZE OF FAMILY UNIT | One person | LICO - 6 Months |
|---|---|---|
| One person | $30,526 | $15,263 |
| Two persons | $38,002 | $19,001 |
| Three persons | $46,720 | $23,360 |
| Four persons | $56,724 | $28,362 |
| Five persons | $64,336 | $32,168 |
| Six persons | $72,560 | $36,280 |
| Seven persons | $80,784 | $40,392 |
| If more than seven persons, for each additional person, add | $8,224 | $4,112 |
Low Income Cut-Off (LICO)
The LICO table below illustrates income thresholds based on 2025 statistics for various household sizes and locations across Canada:
| SIZE OF FAMILY UNIT | One person |
|---|---|
| One person | $29,380 |
| Two persons | $36,576 |
| Three persons | $44,966 |
| Four persons | $54,594 |
| Five persons | $61,920 |
| Six persons | $69,834 |
| Seven persons | $77,750 |
| If more than seven persons, for each additional person, add | $7,916 |
Super Visa LICO Requirements Explained
It is important that the sponsors in Canada understand the Super Visa LICO requirements. Super visa program demands hosts to satisfy a given income level called the Low-Income Cut-Off (LICO). Such Super Visa LICO conditions in Canada make sure that sponsors would be able to finance visiting parents and grandparents even without the help of the government. The calculation of the LICO of Super Visa in Canada is done according to the number of family members to be sponsored, including the sponsor, spouse, dependents, and the parents or grandparents being invited. Such financial standards are required to obtain a Super Visa.
⭐ LICO Table for Super Visa Applicants
Although the national LICO table gives the general income thresholds, the LICO table of Super Visa Canada specifically recognizes whether the sponsors are able to meet the financial standards of IRCC. The application process for the Super Visa insurance in Canada would be done in the LICO table to ensure that the visiting family members will receive financial support. To be sure, sponsors are to use the official table of IRCC LICO for the applicants of Super Visa since the utilization of the old or wrong statistics might result in the rejection of the application.
Minimum Income Criteria for Super Visa Sponsors
The income eligibility of the Super Visa has a direct connection with the LICO table. The minimum income in Canada required for a Super Visa depends on the household size and should be established in NOAs, CRA documents or employment letters. Such Super Visa Canada income requirements mean that the sponsors will be able to secure financial assistance during the long stay of the parents or grandparents. The Super Visa applicants have a Canadian income cut-off that is increasing annually and should be fulfilled at the time of application.
Super Visa Sponsorship Income Rules
Super Visa sponsorship criteria involve the financial stability, specific income levels, and demonstration of funds. IRCC verifies the total income of the household of the sponsor in order to ensure that it begins to meet the Super Visa income requirement of the specified family size. The introduction of the Super Visa based on LICO income level will ensure that parents and grandparents will not be dependent on governmental support. These parent and grandparent Super Visa income conditions are used to establish the viability of sponsorship.
Income Rules for Super Visa Insurance
Other applicants mix up IRCC income requirements and insurance rules. Super Visa insurance income requirement is to make sure that the sponsors have access to a qualifying medical insurance policy. Insurers usually do not demand the income evidence, though the applicants should still adhere to the Super Visa Insurance income regulations in order not to delay the processing. The insurance regulations do not interfere with LICO but are vital ingredients of the Super Visa.
Step-by-Step Checklist to Meet LICO Requirements
To meet LICO standards for Super Visa sponsorship, follow this checklist:
- Calculate household size accurately
- Review the updated IRCC LICO table
- Gather CRA NOAs for the last 1–2 years
- Include spouse's income if co-signing
- Prepare employment letters or business income proof
- Check monthly income stability
- Confirm that your total income meets the Super Visa income threshold
How LICO Applies to Real Families
- A couple inviting two parents must count themselves, their dependents, and both parents toward household size, raising the LICO requirement.
- A single sponsor with limited income adds their spouse as a co-signer to meet the LICO for Super Visa.
- A household falling slightly short of LICO waits for the next tax year when income increases on the latest NOA.
Common Mistakes Applicants Make With LICO
Common LICO-related mistakes include:
- Using outdated LICO tables
- Miscounting household members
- Not including dependents living abroad
- Incorrectly calculating combined income with spouse
- Submitting incomplete income documentation
How LICO Connects to Super Visa Insurance
LICO determines eligibility for the Super Visa, while Medical Insurance is mandatory for entry. The two requirements work together: LICO proves financial stability, while insurance protects visitors from healthcare costs. Understanding both ensures a smooth application process.
FAQs
What is the LICO table for the Super Visa in 2026?
You can see the LICO table for Super Visa to find the minimum income needed based on family size. As an illustration, in 2026, a family of four might be required to demonstrate they bring in about $60,000 a year. The exact numbers are adjusted every year for inflation and cost of living. Sponsors always know if they can afford it because of the Super Visa LICO table. It has the sponsor, spouse, dependents, and parents or grandparents being applied. The more members in your household, the higher the income you need to demonstrate. Check IRCC’s official website or ask an expert for the most accurate table.
Why is there a minimum income requirement for the Super Visa?
The minimum income requirement for the super visa exists to guarantee the sponsor can afford their visitor’s stay. It’s a protective measure to keep Canada’s health care and social support systems from being overwhelmed. By meeting the super visa minimum income, you demonstrate that your parent or grandparent will be well taken care of. This is also related to the mandatory approval of private medical insurance for the Super Visa.
It shows responsible finances and steady income. The standard that is used to confirm this is the LICO for Super Visa. Failure to meet it can lead to visa denial.
How do I calculate my income to meet the Super Visa minimum income?
Calculate your income for the super visa income requirement by using gross income earned from employment, business, or pension. Income can be verified using your Notice of Assessment (NOA), T4S and pay stubs. Check the LICO table for Super Visa income requirements relevant to your household size. Be sure to include the visiting parent or grandparent in the total for your household. If your spouse is a co-signer, you can add in their income too. The Super Visa application must meet the threshold set by the Low Income Cut-Off (LICO). Refer to the official government charts, or) consult a licensed advisor.
Can I include my spouse's income to meet the LICO for a Super Visa?
Yes, if your spouse is willing, both can put in a financial pledge, and income can be added towards the LICO for a Super Visa. This is useful in cases where your personal income does not reach the necessary amount. You and your spouse will then be assessed for eligibility as a couple based on your combined incomes. This total combined amount must meet or exceed the annual super visa income requirement in the annual table. Your spouse, too, would be jointly liable for the person they are sponsoring. Reassure both parties that the agreement is thoroughly understood. Check the LICO table for Super Visa to see how much income you need based on your household size.
What documents are accepted to prove income for the Super Visa?
Your latest NOAs, T4S or letters would be required as proof of financial support to meet the minimum income for a super visa. Other documentation can include bank statements, pay slips, and a letter of employment. The documents should demonstrate that your income is above the Super Visa LICO level. Just make sure your paperwork shows a stable and consistent income. If self-employed, attach business statements and CRA filings. Act and remain organized because now, if you do not, your production can be delayed. Check your income with the Super Visa LICO table to make sure.
What happens if I don't meet the Super Visa minimum income?
If you do not have the minimum income required for the super visa, the super visa itself may be refused. You can also look for alternatives, such as adding a co-signer (which could be your spouse). Their income can contribute to you covering the Super Visa requirement of meeting the LICO. Alternatively, you can wait and reapply when your income increases or you’ve submitted a new tax return. Do not take a guess — always check against the LICO super visa table. Even a minor income shortfall triggers rejection. Talk to an expert to discuss your options or alternatives.
Does the LICO for Super Visa change every year?
Yes, the government of Canada renews the LICO of the Super visa yearly. Those are inflation increases, economic adjustments and changes in the cost of living. This is the reason why, when applying for a Super Visa, you should first view the LICO table of the current year. Referral to old figures can lead to a miscalculation of matters and rejection of an application. The work of the sponsors is to make sure that their revenue is in line with their latest published metrics. Indicate that the table has been prorated by household size. You need to disclose details in case you do not want to have your application fail.
What are the projected LICO thresholds for the Super Visa in 2026?
The projected LICO thresholds for the Super Visa in 2026 are expected to increase slightly due to inflation and cost-of-living adjustments. These thresholds vary by family size and reflect the minimum income sponsors must meet. They are typically published annually by Immigration, Refugees and Citizenship Canada (IRCC). Staying updated ensures your application meets the financial requirements.
How does the 2026 LICO table compare to previous years for sponsorship?
The 2025 LICO table shows a moderate increase compared to previous years, aligning with rising living costs in Canada. This affects how much income sponsors must show when applying for Super Visas or family reunification programs. Sponsors with fixed or modest incomes may now need to reassess their financial readiness. Each year’s table reflects national economic trends and population needs.
Will the income requirements for the Super Visa change based on new LICO data in 2026?
Yes, income requirements for the Super Visa are directly tied to the latest LICO figures released annually. If the LICO increases in 2026, sponsors will need to meet the higher income benchmark to qualify. These updates ensure that sponsors can realistically support their visiting parents or grandparents. It’s essential to verify income requirements before submitting an application.
How is the LICO used to determine eligibility for Canadian family sponsorship in 2026?
LICO serves as a financial benchmark to assess whether sponsors can support their family members in Canada without public aid. For the Super Visa and other family sponsorships in 2026, the sponsor’s income must meet or exceed the applicable LICO level. This helps ensure sponsored individuals are well-supported during their stay. Income must be proven through official documentation like NOAs or CRA assessments.
What sources provide official updates on the 2026 LICO figures for immigration?
Official LICO updates for 2026 are published by Immigration, Refugees and Citizenship Canada (IRCC) and Statistics Canada. These figures are typically released early each year and posted on the government’s websites. Trusted immigration advisors also rely on these sources to provide accurate guidance. Avoid unofficial blogs or outdated charts when preparing sponsorship applications.
Where can I find the latest LICO table for Super Visa?
The latest Super Visa LICO table can be found on the official IRCC (Immigration, Refugees and Citizenship Canada) site. It is publicly available and refreshed once each year, typically in January or February. Before making any calculation of the minimum income required for your super visa, always cross-reference with the current year’s numbers. A few insurance brokers or immigration consultants may also present updated charts. You can download the PDF chart or see it online. Accurate planning demands that the correct LICO table be used. Check again each time you start a new application.
Does the number of people in my household affect the LICO for a Super Visa?
Yes, household size affects how much LICO is needed to meet the Super Visa threshold. As your household becomes larger, with dependents or Super Visa applicants, so too does your minimum-required income. Always include yourself, your spouse, children and the visiting parent or grandparent in your count. Now, you can check out the LICO table for Super Visa. Look, if you can show 4,108 CAD income, if you fail to include everyone, you will end up underestimating the need. This can result in an application rejection. Household size and income accuracy are extremely important.