File consistency: run your figures against each other before an IRCC officer does

Refusals often turn on an inconsistency the applicant never saw. A salary stated in a letter that the pay slips do not show. Funds that appeared all at once, two weeks before filing. The officer sees it immediately: reading documents against each other is the job.

The consistency tool does the same work, only earlier. It is here: /en/check-list.html#coherence . Your figures never leave your device: nothing is sent, nothing is stored, the whole calculation runs in your browser.

Part one: proof of funds

You say how many people are travelling, yourself included, with the partner and children coming with you. You pick the currency of your amounts, local francs or Canadian dollars. That choice is not a detail: without it the tool cannot tell whether 9,500,000 means francs or dollars, and its verdict would be wrong. So it refuses to rule until you have set it.

Then you enter two amounts. The current balance of your accounts, meaning the total of what is available and belongs to you. Then the lowest balance across your last six statements. That second figure is the real subject: IRCC does not ask for an amount, it asks for your statements over the last six months and it reads their history.

The tool then compares the weakest month against today's balance. If that low point is only half of what you are showing, it says so plainly: the money arrived recently, and that is the first ground of refusal on proof of funds. An officer will conclude it is a loan, or someone else's money. The answer is not to hide the deposit but to prepare proof of where it came from: the deed of sale for the property, the inheritance document, the statements of another account of yours the savings came from. If the low point sits between 60 and 85 per cent of the balance, the tool treats it as something to watch rather than an alarm. Above that, it confirms the money has been in place for months, which is exactly what IRCC wants to see.

Last comes a set of tick boxes about your bank letter: the bank letterhead with its contact details, your name exactly as it appears on your passport, each account number and its opening date, the current balance, the six-month average for each account, and your current debts. Any box left unticked shows up in the verdict, because these are things IRCC requires from that letter.

Part two: pay slips against the employment letter

This is the classic cross-check. You enter the monthly salary shown on your pay slips and the annual salary stated in your employment letter, comparing like with like, net against net, gross against gross. The tool multiplies by twelve and confronts the two.

It also asks how many pay slips you hold and how many months of employment you declare. Declare thirty months and produce twenty slips, and it tells you how many are missing over the period. Then it compares the employer name written on the letter with the one written on the slips. An abbreviation on one side, the full registered name on the other, and an officer may read it as two different employers. Have it written identically on both documents.

Reading the verdict

The result updates with every figure you type, with no button to press. Either it states that your documents hold together, with the detail of what is going well. Or it lists the points to settle before filing, each with its heading and an explanation of what the officer will conclude. A button opens WhatsApp with those points already written into the message, so you do not have to summarise them yourself.

Be clear about what the tool is. It compares what you type in, yourself. It does not read your documents and does not replace them: it shows the gaps an officer would see. To have the employment letter itself examined, there is a letter checker in the same area.

And even when everything holds together on paper, a file can still stumble on a detail this check cannot see: a date that does not match your CV, a job title that does not fit your NOC code. A review before filing always costs less than a refusal. Run your figures through the check here: /en/check-list.html#coherence