Your course
London costs more, in rent and in what UKVI expects you to show.
A one-year UK master's is 12 months, including the dissertation.
The full course fee printed on the offer letter or CAS.
Leave as 0 if you have not paid the university yet.
What one pound costs you in rupees today.
Every month there
Starting estimates for a city outside London. Change any of them to your own numbers.
Room in shared or student housing, bills included.
Cooking at home most days.
Bus or tram pass. Walking cities cost less.
A UK SIM is cheap. Get one on arrival.
Clothes, going out, emergencies, sending money home.
One-time costs
Paid once, before or just after you land.
Booking early saves the most here.
Compulsory for Indian applicants, at a UKVI-approved clinic.
Bedding, winter clothes, kitchen basics, deposit top-ups.
Term time is capped at 20 hours a week. Leave at 0 to budget without counting on a job.
See your full cost breakdown
Your complete UK Master's budget & living cost breakdown: one step away.
What your loan has to cover
If family savings cover part of this, borrow the rest — not the whole figure. Work out the EMI on ₹42,52,460 before you sign anything, because that number follows you for the next seven to ten years.
Work out the EMIFrequently Asked Questions
Clear, accurate answers based on official guidelines and real mentorship experience.
Which numbers are official
Exact, from GOV.UK, checked on 21 August 2026: the visa fee of £558, the healthcare surcharge at £776 a year, the UKVI maintenance rates of £1,529 and £1,171 a month, and the National Living Wage of £12.71 an hour.
Everything else — rent, food, transport, flights, setup — is an estimate you can and should edit. No government publishes those, they move with the city and the year, and a budget built on someone else's guess is not a budget.
Check the official GOV.UK pageA planning aid, not financial or immigration advice. Confirm fees with your university and UKVI before you move money.
A UK master's in 2026: what it really costs
The four rules that changed, the surcharge charged on your visa rather than your course, and an honest read on whether the maths still works.
Jeevithram Mamidala
Speak directly with Jeevithram Mamidala. Every student profile is evaluated personally, with zero sales reps and zero automated templates.