Budget to show adequate financial establishment on a 10-day visit to Ontario
IRCC publishes no visitor-visa minimum. A 10-day visit to Toronto priced on this page is CAD $1,277.00, which is ₦1,243,951 at ₦974.12 per CAD on 28 September 2026. That rate is the one already used on the will-depart page. A return ticket is not in the total. The funds sentence still asks where the money came from, and whether income continues after the trip.
CN Tower timed general admission is CAD $45 if you buy it online in advance. Same-day is CAD $47. Taxes are not in either figure. This total uses CAD $45. The Toronto–Lagos airfare on the will-depart page is a different line. Add that receipt. Do not add it twice.
Add the room receipt, or write CAD $0 and upload a host letter that names the address and the dates. A return flight is not in the total.
| Line | Canadian dollars | Naira |
|---|---|---|
| Food, 10 daysNational Joint Council meal allowance for Canada, 100 percent, up to day 30, effective 1 October 2026. CAD $123.20 a day. Taxes are in the allowance. This is not an IRCC rule. It prices food when the itinerary names no restaurant. | CAD $1,232.00 | ₦1,200,116 |
| CN Tower, one adult, bought aheadTimed general admission, adult 14–64, online advance price. Same-day is CAD $47. Taxes extra. | CAD $45.00 | ₦43,835 |
| Total on this page | CAD $1,277.00 | ₦1,243,951 |
Providing proof of sufficient funds is one factor.
Paste your letter for the other refusal factors.
Six months of salary against this total
The July 2024 minimum-wage bill set ₦70,000 a month. 6 months of that wage, saved in full, is ₦420,000. At ₦974.12 per CAD that is CAD $431.16. This page’s total is CAD $1,277.00. The naira shortfall is ₦823,951. Converted at the same rate, that shortfall is CAD $845.84, before the ticket.
A worked payslip of ₦850,000 a month is not a court file. 6 months of it, saved in full, is ₦5,100,000, which is CAD $5,235.49. Saved-in-full is the generous case. Rent and food at home come out first. The credits on the statement still have to be those payslips. A closing balance with no salary line does not answer source, availability, and ongoing income.
The other 10-day totals
10-day Ontario funds FAQ
Does IRCC publish a minimum balance for a 10-day visit to Ontario?
No. IRCC’s visitor-visa page asks you to show you can support the visit. It does not print a dollar minimum. This page prices 10 days in Toronto at CAD $1,277.00, which is ₦1,243,951. A return ticket is not in that figure.
Six months of the ₦70,000 minimum wage, saved in full, covers this total?
No. 6 months at ₦70,000 is ₦420,000, which is CAD $431.16 at ₦974.12 per CAD on 28 September 2026. This page’s total is CAD $1,277.00. The gap is CAD $845.84. The food line alone, on a province that uses the Canada meal column, is already above that salary.
Watch the questions, the analysis, and the evidence
Check out this video to learn about answering a number of questions, get free analysis and personalized evidences for your application.
8 major factors Canada visa officer checks
| Officer checks | What they may look at |
|---|---|
Why Canada? Tourism, family visit, event, business, etc.; itinerary; duration; whether the activities make sense | Why Canada? Tourism, family visit, event, business, etc.; itinerary; duration; whether the activities make sense |
Employment, business, property, spouse, children, family responsibilities, studies, other obligations | Employment, business, property, spouse, children, family responsibilities, studies, other obligations |
Job stability, position, salary, length of employment, approved leave, business ownership and activity | Job stability, position, salary, length of employment, approved leave, business ownership and activity |
Bank balances, transaction history, income, savings, source of funds, ability to pay for the trip and return | Bank balances, transaction history, income, savings, source of funds, ability to pay for the trip and return |
Family remaining in the home country versus relatives/family in Canada; overall circumstances | Family remaining in the home country versus relatives/family in Canada; overall circumstances |
Previous international travel, visas, compliance with previous visits, previous Canadian/US/UK/Schengen travel, etc. | Previous international travel, visas, compliance with previous visits, previous Canadian/US/UK/Schengen travel, etc. |
Previous refusals, overstays, unauthorized work/study, removals, previous applications and information provided | Previous refusals, overstays, unauthorized work/study, removals, previous applications and information provided |
Criminality, security, medical/financial inadmissibility, misrepresentation, and whether the information/documents are consistent and credible | Criminality, security, medical/financial inadmissibility, misrepresentation, and whether the information/documents are consistent and credible |
What is ImmigrationDM?
ImmigrationDM makes it easy to respond to a Canada visitor visa refusal.
You can use the Refusal Analysis to read the officer's reasons and see the missing paper. It asks about country, purpose, funds, and home ties, then you paste the letter. You get the concerns in order and the documents that prove each claim.
The free checkers test the money side of the file before you submit. The Source of Funds Checker shows whether the file explains where the money came from. The Trip Cost Checker compares the trip you typed with the balance you typed.
No matter where you are after a Canada visitor visa refusal, ImmigrationDM is here to help you prepare the next file.
Tools to help with a stronger application
Same checkers as the tool pages. They run on what you type.
Source of Funds Checker
Trip Cost Checker
Canada immigration laws
The consolidated Act and Regulations on Justice Laws. IRPA 34 to 42 is the on-site grounds page.
- IRPR — Immigration and Refugee Protection Regulations
- IRPR 179 — temporary resident visa
- IRPR 180 — a visa is not entry
- IRPR 180.1 — cancelling a visa
- IRPR 183 — how long the stay lasts
- IRPR 30 — medical examination
- IRPA — Immigration and Refugee Protection Act
- IRPA 11(1) — the examination
- IRPA 20(1)(b) — leave at the end of the stay
- IRPA 22(2) — dual intent
- IRPA 39 — financial inadmissibility
- IRPA 40 — misrepresentation
- IRPA 34 to 42 — inadmissibility grounds
GCMS notes versus officer decision notes
The decision note comes with the refusal letter. GCMS notes are the rest of the file.
GCMS notes vs officer decision notesWhich applications get the note with the letter, from which date, and when you still request the file.Read the guideInadmissible grounds
IRPA sections 34 to 42 are the grounds. A letter that cites IRPR 179(b) is a different test.
Canada inadmissibility groundsSecurity through an inadmissible family member, and why a standard visitor refusal is not that finding.Read the guideOther Canada visitor visa immigration resources
These pages cover the refusal letter, the money, the ties, and the papers that change by country.
How to read the refusal letter
The letter cites IRPR 179(b) when the officer wasn't satisfied you'll leave Canada. Read the factors under that line before you apply again.
Read the guideWhat to change before you pay again
Match each factor on the letter to the document that answers it. Sending the same file again rarely changes the result.
Read the guideYou can reapply. There is no waiting period.
IRCC doesn't set a cooling-off period. The next officer already has the refused file, so the new one has to be different.
Read the guideWhen a lump does not match income
A large closing balance doesn't show where the money came from, whether you can use it, or whether income continues.
Read the guideWhat weak ties means
The officer is saying the file doesn't prove you will go home. This page shows how officers measure ties.
Read the guideThe reasons behind most refusals
Travel history, ties, purpose, and funds are different officer concerns. Each phrase on the letter points at different paper.
Read the guideHow to reapply in 2026
This page covers the 2026 reapplication rules, GCMS notes, and the order of a resubmission.
Read the guideCanada visitor visa from Nigeria
Processing time, fees in naira, and the CAC and FIRS papers a Nigerian business file uses.
Read the guideA graduation visit refused three times
A Nigerian sibling case: the officer note, the source-of-funds gap, and what the next file had to add.
Read the guide
Documents after a refusal, by country
- Documents that answer a India refusal
- Documents that answer a Nigeria refusal
- Documents that answer a Philippines refusal
- Documents that answer a Pakistan refusal
- Documents that answer a Ghana refusal
- Documents that answer a Bangladesh refusal
- Documents that answer a Cameroon refusal
- Documents that answer a China refusal
- Documents that answer a Kenya refusal
- Documents that answer a Singapore refusal
Related
Sources
- NJC Appendix C, meal allowances, effective 1 October 2026 — Canada
- CN Tower — tickets
- ExchangeRate-API — ₦974.12 per CAD on 28 September 2026
- Reuters — Nigerian lawmakers pass the ₦70,000 minimum-wage bill, 23 July 2024
- IRCC — Apply for a visitor visa
- IRPR section 179 — leave Canada at the end of the authorized stay
General information from the regulation and IRCC’s public pages. Not legal advice. Not a prediction of a visa decision.