How these figures are sourced and verified
This calculator has one advantage over the many sites that publish the same numbers: it shows you where each one came from and when it was last checked. That only means something if the method is written down, so here it is.
Only primary sources
Every figure is read from the UKgovernment’s own published rules. Nothing is taken from a blog, an agency’s website, a law firm’s summary, or another calculator. Those sources disagree with each other and are frequently out of date — the accommodation offset cap is the clearest example, where a figure that changed some time ago is still widely republished. Where a plain-English government page restates a rule, we use it only to corroborate the rule, never as the source of the number.
The sources
Immigration Rules: Appendix Student
https://www.gov.uk/guidance/immigration-rules/immigration-rules-appendix-studentST 4.1 and ST 4.2 (application timing); ST 12.3 (living costs and course fees, both region tables); ST 12.4 (accommodation offset cap); ST 12.6 (holding period); ST 33.2 and ST 37.2 (dependant rates).
Governs: high_cost_region_monthly_minor, standard_region_monthly_minor, max_months, dependant_high_cost_region_monthly_minor, dependant_standard_region_monthly_minor, prepaid_accommodation_cap_minor, seasoning_days, earliest_application_months_before_course_outside_country, earliest_application_months_before_course_inside_country
Immigration Rules: Appendix Finance
https://www.gov.uk/guidance/immigration-rules/immigration-rules-appendix-financeFIN 7.1 (evidence must be dated within 31 days before the date of application); FIN 7.2 (the holding period is counted back from the closing balance date); FIN 7.3 (evidence must cover the whole period).
Governs: application_window_days
Immigration Rules: Introduction (definitions)
https://www.gov.uk/guidance/immigration-rules/immigration-rules-introductionDefinitions of "Studying in London" and "Studying outside London", which key the classification to the Confirmation of Acceptance for Studies and to the Greater London Area.
Governs: region_classification
Student visa: Money you need
https://www.gov.uk/student-visa/moneyPlain-English restatement of the living cost figures and the 28/31 day rules. Used only to corroborate the Immigration Rules, never as the source of a figure.
Corroboration only — governs no figure.
Student visa: overview and fees
https://www.gov.uk/student-visaApplication fee for applications made outside and inside the UK.
Governs: visa_fee_minor
National Minimum Wage and National Living Wage rates
https://www.gov.uk/national-minimum-wage-ratesCurrent rates table, by age band and apprentice status. Rates change on 1 April every year, so this source is the one most likely to move on a predictable schedule.
Governs: minimum_wage_bands
Immigration health surcharge: how much you pay
https://www.gov.uk/healthcare-immigration-application/how-much-payAnnual rate for students, their dependants, and under-18 applicants.
Governs: health_surcharge_annual_minor
Every figure, with the sentence it came from
Verified by John on 1 August 2026.
max_months
up to a maximum of 9 months. If the length of the applicant's course includes a part of a month, the time period will be rounded up to the next full month.ST 12.3 →
seasoning_days
The applicant must show that they have held the required level of funds for a 28-day period and as specified in Appendix FinanceST 12.6 →
region_classification
"Studying in London" means the applicant's Confirmation of Acceptance for Studies confirms they will be studying at an institution wholly within the Greater London Area. If the applicant will be studying at more than one site, one or more of which is in Greater London Area and one or more outside, then the applicant will be considered to be studying in London if the applicant's Confirmation of Acceptance for Studies states that the applicant will be spending the majority of time studying at a site or sites situated within the Greater London Area.Introduction: "Studying in London" →
application_window_days
The most recently dated piece of financial evidence must be dated within 31 days before the date of application. The length of time for which funds are held will be calculated by counting back from the date of the closing balance on the most recently dated piece of financial evidence.FIN 7.1, FIN 7.2 →
health_surcharge_annual_minor
£776 per year for students, their dependants, and those on a Youth Mobility Scheme visaImmigration health surcharge rates →
standard_region_monthly_minor
Sufficient funds to pay any outstanding course fees as stated on the Confirmation of Acceptance for Studies, and £1171 for each month of the course (up to a maximum of 9 months)ST 12.3(b) →
high_cost_region_monthly_minor
Sufficient funds to pay any outstanding course fees as stated on the Confirmation of Acceptance for Studies, and £1529 for each month of the course (up to a maximum of 9 months)ST 12.3(a) →
prepaid_accommodation_cap_minor
If the applicant has paid a deposit to the student sponsor for accommodation arranged by the sponsor, this deposit (up to a maximum of £1529) can be offset against the funds required in ST 12.3.ST 12.4 →
earliest_application_months_before_course_inside_country
An application for permission to stay must be made no more than 3 months before the start date of the course on the Confirmation of Acceptance for Studies.ST 4.2 →
earliest_application_months_before_course_outside_country
An application for entry clearance must be made no more than 6 months before the start date of the course stated on the Confirmation of Acceptance for Studies.ST 4.1 →
How changes are caught
Every source is fetched daily. Each page is reduced to plain text, hashed, and the figures are parsed out of it and compared against what this site is publishing. Any difference — a changed amount, a source that has moved, or a page we can no longer parse — opens an alert and emails the operator.
Detection is automated. Publishing is not. No parser changes a figure on this site. When a change is detected, the site keeps serving the last figures a person verified and displays a banner saying they are being re-checked. A human then reads the source, confirms the change and puts their name to the new figures before they appear. An automated pipeline that silently republished a misparsed number could cost someone a visa, which is not a risk worth taking to save an hour.
A weekly email confirms the checks ran even when nothing changed, and a separate alert fires if no source has been fetched successfully for three days. Silence is never treated as good news.
What this cannot tell you
It cannot tell you whether your application will be granted. It does not know your circumstances, your immigration history, or how a caseworker will read your evidence. It applies published arithmetic to numbers you type in. If anything about your case is unusual, the calculator is not the right tool and a regulated adviser is.