UK Student visa maintenance funds calculator
The maintenance amount is the single most confusing part of a UK Student visa — London vs outside London, months of living costs, unpaid tuition and the 28-day rule. Enter your details below to get the exact figure and the dates your bank balance must cover.
How UK maintenance funds work
- Living costs. Currently
£1,529/month in London and£1,171/month outside London, for up to 9 months — the rates published on GOV.UK: Student visa, money you need. - Tuition. Add your first-year (or full course, if under a year) tuition, minus anything you've already paid.
- Accommodation offset. Up to
£1,529of accommodation paid to your university reduces the amount you must show — the cap set by Immigration Rules Appendix Student (ST 12.4), in force since 11 November 2025. - The 28-day rule. The total must sit in your account for 28 consecutive days without dipping below it. Those 28 days end on the closing date of the statement you submit, and that closing date must be within 31 days of the date you apply — so you do not have to wait for the window to reach your application date.
Frequently asked questions
How much money do I need for a UK Student visa?
You must show your unpaid first-year tuition plus living costs of currently £1,529/month if studying in London or £1,171/month outside London, for up to 9 months. You can offset up to £1,529 of accommodation already paid to your university. Always confirm the current amounts on GOV.UK.
What is the 28-day rule for UK maintenance funds?
The required amount must be held in your account for 28 consecutive days without dropping below it. The 28-day period ends on the closing date of the bank statement you submit, and that closing date must be within 31 days of the date you apply.
Does this calculator submit anything to UKVI?
No. It is a free planning tool that runs entirely in your browser. It does not store or submit your figures. Always confirm requirements on GOV.UK.
Check your documents, not just the number
Rilono AI reads your bank statement against the 28-day rule, catches the mistakes that cause refusals, and drills you for the credibility interview — free to start.
Start free Read the UK guideThis tool is for planning only and is not immigration advice. UK rules and amounts change — always confirm the current figures on GOV.UK.