PGWP expires in nine months; insufficient CRS despite Canadian education and work experience.
A practical action plan · 2026-10-26
What to do first, and what supports it
Work backwards from 26 July 2027
Current baseline CRS: 418.
Check the PGWP expiry and available status options before the deadline. A PGWP is not assumed renewable.
Evidence needed: Permit, passport and any pending application details.
Compare language, qualifying work experience, actual occupation duties and provincial requirements before a change.
Before current status ends
Work backwards from 26 July 2027
Check the PGWP expiry and available status options before the deadline. A PGWP is not assumed renewable.
Bring: Permit, passport and any pending application details.
Before changing occupation
Connect qualifying work to the PR plan
Check actual duties, hours, authorization and dates against the relevant requirements; compare language scenarios separately.
Bring: Employer letter, contract, pay records and language test results.
Before paying more tuition
Avoid an unnecessary second degree
Use the separate pre-study example to understand education costs and risks. Maria has already graduated; it is not a new requirement in her plan.
Bring: Existing credential and complete report, plus the dated program comparison.
Actions identified by the rules engine
Essential: You and all family members, including anyone not coming to Canada, need an immigration medical exam by an IRCC panel physician; Express Entry applicants get it after being invited and before applying. If you live in Canada and had an exam in the last 5 years showing low or no risk, you may be able to reuse it. (Economic permanent residence: admissibility)
Essential: You and family members aged 18 or older need police certificates for each country, other than Canada, where you lived six months or more in a row since age 18 in the last 10 years. (Economic permanent residence: admissibility)
Essential: Work experience is read against what the occupation's description says, not against your job title: IRCC looks for the lead statement and a substantial number of the main duties, including every essential one. For Canadian work it asks for employer reference letters covering each period you claim, with your work permit and your T4 slips or Notice of Assessment, or other records that substantiate the work, such as a letter of employment, contracts and pay stubs. Time while you were a full-time student does not count. Check that each letter states your duties, your dates, your hours and your pay, and that the duties in it are the duties you actually performed. (Express Entry: system and pool)
Essential: Every figure in your estimate rests on a document, and the document has to still be valid on the day you submit. If your score is recalculated below the lowest score in the round you were invited in, IRCC says to decline the invitation; applying anyway can mean a refusal and no refund of the application fee. An expired language result, a lower retest, a job offer that has ended or a nomination that has been withdrawn all lower a score. Check the date on each language result, each credential assessment and each bank letter against the date you expect to submit, and ask for a replacement early where one will be needed. (Express Entry: system and pool)
Essential: Unless you are exempt, your settlement funds must be your own and available, not borrowed or tied up in property, shown by letters from each bank listing balances, six-month averages and debts. You don't need proof of funds if you're invited under the Canadian Experience Class, or if you're authorized to work in Canada and have a valid job offer; IRCC's system still asks everyone for a proof of funds document, so in that case you upload a letter explaining why. Keep your funds up to date in your profile, since you may not know ahead of time which program you'll be invited under. (Express Entry: Federal Skilled Worker and Federal Skilled Trades Programs)
High value: Please confirm, for Express Entry: Comprehensive Ranking System: CRS core: Canadian work experience points. (Express Entry: Comprehensive Ranking System)
High value: Please confirm, for Express Entry: Comprehensive Ranking System: CRS additional points: Canadian post-secondary credential = 15 or 30. (Express Entry: Comprehensive Ranking System)
Professional review: Go through this with a lawyer, for Keeping your status in Canada while you wait for permanent residence: Permit ends within about 12 months, or status may have ended: plan how to keep status until permanent residence. (Keeping your status in Canada while you wait for permanent residence)
Evidence for the next discussion · 2026-10-26
Prepare a useful briefing
Start with the records behind the questions
PGWP, passport and graduation/completion documents.
Employment references with duties, hours and dates; pay and tax records.
Language test results and evidence of any provincial connections.
Choose the assessment version and any scenarios or saved opportunities to share. Add questions and corrections; sharing does not mean completed legal review.
Document findings from the assessment
Immigration medical exam for applicant and all family members
You and all family members, including anyone not coming to Canada, need an immigration medical exam by an IRCC panel physician; Express Entry applicants get it after being invited and before applying. If you live in Canada and had an exam in the last 5 years showing low or no risk, you may be able to reuse it.
Economic permanent residence: admissibility · To gather
Police certificates for Express Entry applicants and family members
You and family members aged 18 or older need police certificates for each country, other than Canada, where you lived six months or more in a row since age 18 in the last 10 years.
Economic permanent residence: admissibility · To gather
Employment evidence, and the occupation code your duties have to support
Work experience is read against what the occupation's description says, not against your job title: IRCC looks for the lead statement and a substantial number of the main duties, including every essential one. For Canadian work it asks for employer reference letters covering each period you claim, with your work permit and your T4 slips or Notice of Assessment, or other records that substantiate the work, such as a letter of employment, contracts and pay stubs. Time while you were a full-time student does not count. Check that each letter states your duties, your dates, your hours and your pay, and that the duties in it are the duties you actually performed.
Points and eligibility have to be supported by documents that are still valid
Every figure in your estimate rests on a document, and the document has to still be valid on the day you submit. If your score is recalculated below the lowest score in the round you were invited in, IRCC says to decline the invitation; applying anyway can mean a refusal and no refund of the application fee. An expired language result, a lower retest, a job offer that has ended or a nomination that has been withdrawn all lower a score. Check the date on each language result, each credential assessment and each bank letter against the date you expect to submit, and ask for a replacement early where one will be needed.
Unless you are exempt, your settlement funds must be your own and available, not borrowed or tied up in property, shown by letters from each bank listing balances, six-month averages and debts. You don't need proof of funds if you're invited under the Canadian Experience Class, or if you're authorized to work in Canada and have a valid job offer; IRCC's system still asks everyone for a proof of funds document, so in that case you upload a letter explaining why. Keep your funds up to date in your profile, since you may not know ahead of time which program you'll be invited under.
Express Entry: Federal Skilled Worker and Federal Skilled Trades Programs · To gather
Vancouver · 1 adult. Compare an arrival reserve without assuming employment income.
3 months without income
$11,950
Housing $2,300/month + essentials $1,050/month, travel $1,300 and setup $600.
$20,000 fictional available funds. $8,050 remains before unpriced costs.
Fictional inputs, not market quotes or an immigration proof-of-funds threshold. No salary is counted.
6 months without income
$22,000
Housing $2,300/month + essentials $1,050/month, travel $1,300 and setup $600.
$20,000 fictional available funds. $2,000 funding gap before unpriced costs.
Fictional inputs, not market quotes or an immigration proof-of-funds threshold. No salary is counted.
Adjust the fictional monthly budget
Six-month planning subtotal: $22,000.
The same budget calculation used in Success in Canada totals these inputs. Changes stay in this page and are not saved to an account.
Immigration/application fees, professional fees, health insurance, childcare and licensing/training costs are not priced here. Obtain applicable amounts before committing. This subtotal is therefore incomplete until those applicable costs are added.
Explore the consultation experience
Carry your assessment into a conversation
Try this fictional example. These sample times are not live availability. This demonstration stays in your browser; it sends nothing, makes no booking and takes no payment. Use sample text only.
3 · Example after confirmation
Consultation and sharing confirmation
Wednesday, October 28, 2026 10:00–10:30 a.m. · Toronto (EDT)
Assessment version 1 · October 26, 2026 1 selected opportunity · 1 budget · 1 conditional comparison
Payment: None taken in this example. Meeting link: Issued privately for a real confirmed appointment.
Your saved briefing is available to you and the assigned reviewer or an authorized administrator. Sensitive assessment details stay out of the calendar invitation.
Fictional demonstration. No appointment booked or information shared.
The example below shows the completed state. Select your details and confirm above to try it.
Read the fixed example briefing, selected findings and assumptions
Shared consultation briefing · version 1
Shared 2026-10-26. Assessment released 2026-10-26. This saved version stays unchanged when your live assessment or saved opportunities change.
Sharing is for consultation preparation. It does not mean a lawyer has reviewed or accepted your matter.
Your goal
You’re aiming for: Permanent residence (become a permanent resident).
You’re aiming for: Permanent residence (become a permanent resident). We checked your answers against 26 requirements for your goal. Here’s what we found: 21 appear to be met, 2 may not be met, 2 need more information and 1 needs a lawyer to look closer.
Suggested pathways
Express Entry: Canadian Experience Class: From what you told us, 6 of 6 requirements checked appear to be met.
Express Entry: Federal Skilled Worker Program: From what you told us, 11 of 11 requirements checked appear to be met.
Deadlines and missing information
Work permit expires: to keep your status, IRCC must receive any application to extend it, or for a bridging open work permit, before it expires (online, before midnight UTC on this date): 2027-07-26
Reported expiry of your Canadian work permit: 2027-07-26
Language test results reach two years old (submit your PR application before this date): 2028-02-10
We need to confirm that at least one year of your Canadian work earns CRS points. Under the Ministerial Instructions, it must be full-time work (at least 30 hours a week) or the same amount part-time, done in Canada within the last 10 years while you had temporary resident status, and not unauthorized or done during full-time study. It must also be TEER 0 to 3 work for one or more employers, paid by wages or commission, or work as a physician (NOC 31100, 31101 or 31102) providing publicly funded medical services, which can count even if you were self-employed. Our questions do not ask about your temporary resident status during that work, so check it, and your weekly hours, against your records. If you told us that some of the work was done without permission to work or outside Canada, count only the periods in Canada while you were allowed to work. If you told us that some of the work was done during full-time study or was self-employment, count only the periods outside full-time study and, unless it was that physician work, outside self-employment: with 2 years or more of work, those periods may still add up to a year or more. Until then, treat the Canadian work points in your score as provisional.
We need to confirm that your Canadian credential is eligible and that your studies met the conditions for additional CRS points. It must come from a Canadian public post-secondary institution, or a private one that operated under the same rules and regulations as a public one; a Quebec DEP or ASP from a program of at least 900 hours at a private secondary or post-secondary institution in Quebec, or a bachelor’s, master’s or doctoral degree from a private institution that a provincial statute authorizes to confer it, also counts. You must have studied at a Canadian educational institution located in Canada. You must also have studied full-time for at least eight months while physically present in Canada for at least eight months, with no more than half of the program by distance learning, unless your program was undertaken, in whole or in part, from March 1, 2020 to August 31, 2022. The credential does not count if English or French as a second language made up more than half of the program, or if you studied on a scholarship or fellowship that required you to return to your home country. An eligible one-year or two-year program earns 15 points; a program of three years or more, a university-level master’s or doctoral credential, or an entry-to-practice professional degree for a TEER 1 occupation that requires licensing by a provincial regulatory body earns 30.
Your questions and corrections
Which missing evidence should I gather first, and which pathway needs further assessment?
This is a fictional example. No additional personal information supplied.
Published date unavailable. Source checked 2026-10-26.
Facts saved at sharing
Analyse business requirements, design information-system solutions and coordinate testing. Actual duties and authorized paid experience must be checked; a job title alone does not establish skilled experience.
Vancouver, British Columbia · CAD 85,000 per year: fictional input
No offer, work authorization or employer participation is assumed.
Maria · 3-month reserve
3 months · 1 adults · 0 children · Vancouver
Balance after costs using confirmed income: CAD -11,950. Hypothetical income remains separate.
Scenario date 2026-10-26. No salary, employer reimbursement or permission to work is assumed.
Amounts are fictional Canadian-dollar planning inputs. Savings and this budget are not the legal settlement-funds requirement.
Costs are counted over 3 months, for 1 adult and 0 children.
A figure published by a body is counted once at the amount it publishes, with no allowance for an increase it has not announced.
Immigration/application fees, professional fees, health insurance, childcare and licensing/training costs are not priced here. Obtain applicable amounts before committing.
A scenario is a way of asking what something would cost, not a prediction. Nothing here promises when you will be licensed, that you will be offered a job, or what you would be paid.
This total is your own arithmetic over the figures you chose to include. No regulator or government publishes a total for a route, so a total is never theirs, and anything nobody publishes is left out of it and listed under what is still unknown.
Income you have told us is already settled, with what you hold to show it. This is the only income any total here counts.
These are figures you are trying out, not figures anybody has offered you. They are kept out of every total of what you actually have.
Saved budget calculations
Costs included: CAD 11,950. This total is your own arithmetic over the figures you chose to include. No regulator or government publishes a total for a route, so a total is never theirs, and anything nobody publishes is left out of it and listed under what is still unknown.
Housing: CAD 6,900. Fictional monthly household input, not a rent quote.
Food, transport, phone and other essentials: CAD 3,150. Fictional monthly household input.
Travel: CAD 1,300. Fictional household allowance; obtain a quote.
Arrival and household setup: CAD 600. Fictional one-time allowance.
Confirmed income over 3 months: CAD 0.
Hypothetical income, excluded from the confirmed balance: CAD 0.
Conditional comparison · calculated 2026-10-26
Language test results (all four abilities): 9
CRS estimate: 418 before, 462 under the selected assumptions.
Express Entry: Canadian Experience Class: Worth investigating to Worth investigating
Express Entry: Federal Skilled Worker Program: Worth investigating to Worth investigating
Assumptions and limits
We checked your answers as they stood on October 26, 2026, against the rules in force then. A change announced after that day isn’t included here.
You answered "not sure" or "not decided" to 11 questions, so we treated them as not yet known rather than as a "no": Have you completed at least 6 consecutive qualifying months in this exact offered position within the 12 months before applying; Do you qualify as a recent Ontario graduate and have at least 3 consecutive qualifying months in this exact offered position within the 12 months before applying; Have you completed at least 2 years of qualifying paid experience, or its permitted part-time equivalent, within the 5 years before applying; How does all of the experience counted for that two-year alternative match the offered job's NOC; and 7 more.
You skipped 3 questions, so nothing here relies on them: Tell us a little about your background and what you hope to do in Canada.; What Ontario Workforce Priority application submission date are you checking; On what date did you actually take the language test used for this Ontario application.
We took your language test results as valid on the day you apply. Key dates above says when it stops counting; after that date the result changes.
3 answers you wrote in your own words were not read by the rules: they only read the questions with set answers. A lawyer reads what you wrote.
We used the family size you gave (1) for every amount of money a rule asks you to show.
Selected scenarios use the rules and sources available at the capture date. They are conditional comparisons, not predictions or legal advice.
A saved listing is not a job offer, admission decision or work authorization. Corrections below are statements for discussion and do not change the assessment.
Using the Marketplace is optional and is never a condition of booking a consultation or retaining the firm.