The balance dips for one day
A single day below the required total breaks the 28-day rule, even if the money returns the next morning. Transfers between your own accounts count as a dip.
Student visa finance
How much money must you
The UK Student visa asks you to prove living costs plus your remaining tuition, held for 28 days without a single dip. Our calculator works out your exact figure, in pounds and in your own currency.
Use the calculator below
UK student visa funds calculator
Work out exactly how much money you must show for your UK Student visa: living costs, tuition balance, dependants and accommodation offset, converted into your own currency.
Your details
Figures update as you type.
What you must show
Living costs£0
Dependants£0
Tuition balance£0
Accommodation offset£0
Total funds to show
£0
In your currency
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With a 10% safety buffer: £0
28-day window
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The 28-day rule
Your balance must not fall below the total, even for one day, for 28 days in a row. The closing balance on your statement must be dated no more than 31 days before you apply. A single dip means refusal.
Your balance must not fall below the total, even for one day, for 28 days in a row. The closing balance on your statement must be dated no more than 31 days before you apply. A single dip means refusal.
Exchange rates
The Home Office converts your balance using the OANDA rate on the date you apply, not the rate on the day you deposited. Keep a buffer of 5-10% so a rate movement doesn't take you below the minimum.
The Home Office converts your balance using the OANDA rate on the date you apply, not the rate on the day you deposited. Keep a buffer of 5-10% so a rate movement doesn't take you below the minimum.
What counts
Cash in a personal bank or building society account, in your name or your parents' name with a consent letter and proof of relationship. Investments, shares, pension funds, credit cards, overdrafts and business accounts do not count.
Cash in a personal bank or building society account, in your name or your parents' name with a consent letter and proof of relationship. Investments, shares, pension funds, credit cards, overdrafts and business accounts do not count.
This is a guide, not advice
This calculator uses published Home Office figures and is for planning only. Yaldis Advisory does not give immigration advice. Always check GOV.UK and your CAS, and speak to a regulated adviser about your own case.
This calculator uses published Home Office figures and is for planning only. Yaldis Advisory does not give immigration advice. Always check GOV.UK and your CAS, and speak to a regulated adviser about your own case.
Dependant rates are the figures published for 2026. Confirm them on GOV.UK before you rely on them.
Six mistakes that cause refusals
Financial evidence is one of the most common reasons a Student visa is refused. Almost every case comes down to one of these.
Using yesterday's exchange rate
Your balance is converted using the OANDA rate on the day you apply. If your currency weakens between deposit and application, you can fall below the minimum without touching the money.
An out-of-date statement
The closing balance on your statement must be dated no more than 31 days before you submit. Statements that were perfect last month are rejected this month.
Deducting private rent
Only accommodation paid to your university can be deducted, and only up to the capped amount. Deposits paid to a private landlord or a housing platform cannot.
The wrong location
London rates apply to the campus you will actually study at, not the university's head office. Check the campus address on your CAS before you calculate.
Money in the wrong account
Funds must sit in a personal account belonging to you, or to a parent with a consent letter and proof of relationship. Business accounts, shares and credit limits do not count.