UK Spouse Visa Financial Requirement Calculator
Determine if you meet the £18,600 annual income threshold (or higher for children).
Step-by-Step Operation
- Select sponsor status from the dropdown.
- Choose primary financial method and fill corresponding fields.
- Enter child count to adjust threshold (extra £3,800 for first, £2,400 each after).
- Click Calculate for pass/fail verdict with breakdown.
Core Principles
UKVI demands £18,600 yearly for main applicant, rising with dependants. Cash route requires £16,000 minimum held 6 months, converting to 2.5x monthly equivalent over 6 months. Income must show 6 months Category A/B employment pay. Pensions count fully if state/private. Combinations permit income shortfall covered by cash at 92.5% rate.
Frequently Asked Questions
Financial Routes Comparison
| Route | Minimum Amount | Period Required | Evidence Needed |
|---|---|---|---|
| Cash Savings | £16,000+ | 6/12 months | Bank statements |
| Employment | £18,600/year | 6 months | Payslips, P60 |
| Pension | £18,600/year | Current | Letter/Statements |
| Non-Employment | £18,600/year | 6 months | Tax returns |
Common Mistakes to Avoid
- Mixing cash from multiple accounts without declaration.
- Using post-tax income for employment route.
- Forgetting 28-day bank statement rule.
- Overlooking child uplift calculations.
- Ignoring sponsor permission-to-work status.
References
UK Home Office. (2025). Family visas: Financial requirements. GOV.UK. https://www.gov.uk/uk-family-visa/proof-income-partner
Immigration Rules Appendix FM-SE. (2025). Specified limited financial requirements. UKVI.
Kaya Legal. (2025). Spouse visa savings calculator guidance. https://kayalegal.co.uk/spouse-visa-financial-eligibility-savings-calculator/
UK Immigration Solicitors. (2025). Financial requirement calculator. https://ukimmigrationsolicitors.co.uk/uk-spouse-visa-financial-requirement-calculator/