UK Proof of Funds Calculator
Calculate exactly how much money you need in your bank account to qualify for a UK Student Visa — including maintenance funds, visa fee, and the Immigration Health Surcharge.
Figures verified September 2026
Maintenance amounts set by UKVI. Visa fee of £558 applies from 8 April 2026. Sources: gov.uk/student-visa/money and the Home Office fee schedule.
Select your course length to update the IHS calculation:
IHS (£776/yr × 1) = £776
Studying in London
Higher cost of living maintenance requirement
Maintenance — London (£1,529 × 9 months)
Must be in bank ≥ 28 days
UK Student Visa fee
As of 8 April 2026
IHS — 1 year (£776 × 1)
Paid upfront with visa
Studying Outside London
Lower maintenance requirement than London
Maintenance — Outside London (£1,171 × 9 months)
Must be in bank ≥ 28 days
UK Student Visa fee
As of 8 April 2026
IHS — 1 year (£776 × 1)
Paid upfront with visa
Important: The 28-day rule
Your maintenance funds (London: £13,761 / Outside London: £10,539) must have been in the bank account continuously for at least 28 consecutive days before the date you submit your visa application. Funds moved in at the last minute will not be accepted.
Frequently Asked Questions
How much money do I need in my bank for a UK student visa?
What is the UK student visa fee in 2026?
What is the Immigration Health Surcharge (IHS)?
Can my parents' or sponsor's funds count towards UK maintenance?
Ready to find universities within your budget?
See which UK universities have the lowest deposit requirements so you can start studying sooner.
All figures are sourced directly from official UKVI and Home Office guidance. The IHS and visa fee amounts are subject to change — always verify against gov.uk/student-visa before submitting your application. Last verified: September 2026.