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Home / Calculators / UK CAS & Visa Out-of-Pocket Cost Calculator
2026 Official UKVI Fee Schedule & IHS Rates

UK CAS & Student Visa Out-of-Pocket Cost Calculator

Accurately calculate the exact upfront cash you need before boarding your flight to the UK — including university CAS deposit, UKVI visa application fee, Immigration Health Surcharge (IHS), flights, and landing forex.

Instant Calculation (100% Free • No Login)
16-Month Master’s IHS Surcharge Calibration
Pre-Departure Cash-Flow Timeline
Side-by-Side GBP (£) & INR (₹) Totals
Official 2026 UKVI Fee Schedule & IHS Rates

UK CAS & Student Visa Out-of-Pocket Cost Calculator

Calculate the exact upfront cash you need before boarding your flight to the UK — including university tuition deposit, UKVI visa fee, Immigration Health Surcharge (IHS), TB medical, flights, and initial landing forex.

UKVI charges IHS for your course duration plus an extra 4-month post-study wrap-up grace period.
£4,000 (₹4,40,000)
£
Per Jan 2024 UKVI rules, only PhD/postgraduate research students can bring dependants.
₹110.00 / £1
Current bank card forex rate is typically ₹109 – ₹111 per £1 GBP.
Total Pre-Departure Outlay

Upfront Cash Required Before Boarding

Total Out-of-Pocket Cash
£7,254
Indian Rupee Equivalent: ₹7,97,940
1. CAS Tuition Deposit £4,000 (₹4,40,000)
2. UKVI IHS Health Surcharge £1,164 (₹1,28,040)
3. Visa Application Fee £490 (₹53,900)
4. TB Test & VFS Biometrics £80 (₹8,800)
5. One-Way Flight Ticket £500 (₹55,000)
6. Initial 30-Day Landing Forex £1,020 (₹1,12,200)
Pre-Departure Cash-Flow Timeline:
Month -3
Deposit Payment £4,000 to secure CAS
Month -2
TB Test & 28-Day Bank Hold ₹3,000 medical test
Month -1
Visa & IHS Fee Payment £1,654 via international card
Day -15
Flight & Landing Forex Card £1,520 loaded on forex
Download UK Pre-Departure & Forex Checklist (PDF) Free Visa Document Audit on WhatsApp
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Get the UK Pre-Departure & Forex Checklist

Receive our step-by-step PDF guide detailing exact payment portals, forex markup discount cards, TB test clinics in your city, and a free 1-on-1 CAS audit with our visa officers.

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Why Does the UK Student Visa Cost More Than the £490 Application Fee?

Many first-time international students assume the only expense required to obtain a UK Student Visa is the £490 application fee. In reality, UK Visas and Immigration (UKVI) requires mandatory upfront medical insurance, university tuition deposits, and medical clearances before a visa vignette can be placed in your passport.

Understanding the Immigration Health Surcharge (IHS) Calculation

The Immigration Health Surcharge (IHS) gives international students full access to the UK's National Health Service (NHS) on the same basis as UK permanent residents. Key rules you must know:

£776 Per Year Rate

Effective February 2024, the discounted student IHS rate is £776 per year (increased from £470).

The 4-Month Wrap-Up Surcharge

For a 12-month Master's, your visa is granted for 16 months. UKVI charges 1 full year (£776) + half year (£388) = £1,164 total.

Paid Upfront in Full

The entire IHS fee for your whole course must be paid online via credit or debit card during the online visa submission.