Tunde, here's where you stand
Canada Express Entry (skilled PR)
You have ₦12.0m of the ₦20.1m this route needs.
₦8.07m to go
Saving ₦673k a month for 12 months gets you there.
Your step dates assume this money is in place before you apply.
Your next step
Book the earliest IELTS General Training date you can prepare for — your CLB score moves your CRS the most.
1 of 4 first steps
In short
Your strongest asset is a genuinely competitive profile — 28, a software engineer with strong English. Your single biggest gap is the settlement-funds requirement: it is money you must HOLD, not spend, and it sits on top of your application costs — so plan your cash around having it ready, not just affording the fees.
Fees checked 7 Oct 2026. Exchange rate as of 9 Oct 2026.
Your journey
Step 1 of 6
- Oct 2026Book IELTS; start WES ECA; gather reference lettersNext
- Dec 2026Create Express Entry profile; enter the poolLater
- Feb 2027Receive ITA; submit PR application + biometricsLater
- Apr 2027Complete medical + police checks; await decisionLater
- Jun 2027COPR issued; book flights + first accommodationLater
- Jul 2027Land in Canada as a permanent residentLater
In short
Your strongest asset is a genuinely competitive profile — 28, a software engineer with strong English. Your single biggest gap is the settlement-funds requirement: it is money you must HOLD, not spend, and it sits on top of your application costs — so plan your cash around having it ready, not just affording the fees.
Fees checked 7 Oct 2026. Exchange rate as of 9 Oct 2026.
Money
Every official fee links to the page it came from. Naira figures use the exchange rate of 9 Oct 2026.
You have ₦12,000,000. You need about ₦20,069,385 available (upfront costs plus proof of funds): a gap of ₦8,069,385 to close before you apply.
Government and official fees
Estimates
No official price exists for these, so they are our planning figures.
Living costs and pay
Your proof of funds
Money you hold and show, not spend. The embassy counts it in Canadian dollars, so the amount is fixed; only its naira price moves.
C$15,263
The naira is at the same rate as when you bought this plan.
The last 12 months
The naira has strengthened 11.3% against the Canadian dollar.
An estimate, not a forecast: ₦540,000 less than today if the pace holds until you apply. The naira can turn quickly, as it did in 2023 and 2024, so keep budgeting today’s figure.
Your dates
Your bank letter will show your average balance over the last 6 months. To show the full C$15,263 as that average when you apply in Feb 2027, have it in your account now. That timing is our planning advice; the official rule is what the letter must show.
When it is checked
When you apply, and again when your permanent resident visa is issued.
You do not need it under the Canadian Experience Class, or if you are already authorised to work in Canada and have a valid job offer.
What your evidence must show
- A letter from each bank, with the bank’s address, phone number and email.
- Your name and your outstanding debts, such as loans and credit cards.
- For each account: the account number, the date it was opened, the current balance and the average balance over the period above.
Watch out
- Borrowed money does not count.
- Property equity does not count.
- You must be able to use the money in Canada when you arrive.
Source: canada.ca, checked 8 Oct 2026.
Try different numbers
Change your savings or how long you'll save for. Your savings figure is kept on this phone.
Months to save
Your position
₦8,069,385 short
To close the gap
₦673,000 a month
Steps
0 of 6 journey steps done. Your ticks are saved on this phone.
Start here
Documents to gather
0 of 9 gathered
Your journey
How the process works
- Sit IELTS General Training (or CELPIP) and aim for the highest CLB you can — language is the biggest CRS lever.
- Submit your degree to WES for an ECA; gather sealed transcripts from your university.
- Create your Express Entry profile, enter the pool, and get your CRS score.
- Receive an Invitation to Apply (ITA) in a round of invitations.
- Submit the full PR application: pay the processing fee, biometrics, and Right of Permanent Residence Fee (RPRF); complete medical + police checks.
- Receive your Confirmation of Permanent Residence (COPR), then land in Canada as a permanent resident.
Safety
The scams aimed at people on your route, and how to check an adviser before you pay.
Check an adviser on the CICC registerScam warnings for your exact route
- NEVER buy a "Canadian job offer" or "LMIA". An LMIA cannot be sold and a genuine employer never charges you for one. Anyone offering to sell you one is running a scam, so walk away.
- Use only a CICC-licensed immigration consultant (check the public register at college-ic.ca) or a Canadian lawyer. Most "agents" on WhatsApp are unlicensed and illegal to represent you.
- No agent can "guarantee" an Express Entry invitation or a specific CRS score. Anyone promising guaranteed PR is lying.
- Proof-of-funds must be YOUR genuine, held money with a real bank history. "Rent-a-fund" services that lend you a balance to show are fraud and get you banned for misrepresentation.
How to spot a fake agent
1. Check the register first
Search the College of Immigration and Citizenship Consultants (CICC) before you pay a naira: https://register.college-ic.ca. It is free, it takes a minute, and it shows whether they are licensed, in good standing, and whether they have ever been disciplined. In Canada it is an offence punishable by law to charge for immigration advice without a licence from the College, a law society, or the Chambre des notaires du Québec.
2. Make them split the two fees
Every application has a government fee, fixed and published by the immigration authority, and the agent’s own service fee. A real adviser itemises both. One blended number exists to hide the markup. Your Money tab has the government figure; hold their quote against it.
3. Get the fee in writing before you send documents
Agent fees in Nigeria are unregulated: no official body sets them, so there is no market rate to compare against. A written, itemised fee before you hand over anything is the only protection you have.
4. Expect the add-ons that appear later
A documented pattern is extra "document review" charges of ₦10,000 to ₦30,000 introduced after you are committed and reluctant to walk. Ask up front: is this the total, or are there stage fees?
5. Treat any guarantee of approval as proof of a scam
The decision belongs to the destination government. No agent, at any price, can promise it. Regulated advisers are forbidden from claiming it.
Sources: official adviser register and regulator guidance on unlicensed practice. Fees quoted are the documented add-on pattern, not a price list: no official body publishes Nigerian agent rates.
About this plan
Canada Express Entry (skilled PR)
Your details
Why this route fits you
As a software engineer with strong English, Express Entry is the route built for you — it rewards exactly your profile (age, education, language, skilled experience) and does not require a job offer to start. That is rare and it is in your favour. Being single with no dependants keeps things simple: every naira you have counts toward your own application, and you can move as soon as your COPR lands.
The part to respect is sequencing. Your IELTS/CELPIP score is the biggest lever on your CRS, and your WES credential assessment has the longest lead time of anything on this journey. Start both now, in parallel — not one after the other — or you will lose months waiting. Treat your landing city as a variable, not a fixed cost: a cheaper first base while you settle can stretch your funds a long way without touching your career.
Who this route is for
- A recognised degree, assessed via an Educational Credential Assessment (ECA) — WES is the most common body for Nigerians.
- Skilled work experience in an eligible occupation (NOC TEER 0, 1, 2 or 3).
- English proof — IELTS (General Training) or CELPIP, scored as a Canadian Language Benchmark (CLB).
- A competitive CRS score against recent Express Entry cut-offs (the lowest Canadian Experience Class cut-off in 2025 was around 515).
- Proof of settlement funds held in your account (unless you have an arranged job offer).
Your plan link
This link is your login. Keep it private and bookmark it.
Figures are estimates from official sources, not guarantees. Always confirm current fees on the official sites before paying. Fees checked 7 Oct 2026. Exchange rate as of 9 Oct 2026.