Student Visa Funds Calculator
Estimate the financial capacity for an Australian Student visa (Subclass 500) using unpaid tuition, living costs, school costs and travel allowances for the student and accompanying family.
This calculator is a general estimate, not a visa decision. Home Affairs can change financial amounts and evidence rules. Actual costs may be higher, and you must also demonstrate genuine access to acceptable funds when evidence is required.
Estimate Required Funds
Enter all amounts in Australian dollars.
Alternative annual-income benchmark without accompanying family: AUD 87,856.
Current amounts used in this calculator
How the estimate is calculated
The total adds course fees for the first 12 months, less documented amounts already paid, to the applicable living, schooling and travel amounts. If the remaining stay is less than 12 months, living and schooling costs are calculated by dividing the annual amount by 365 and multiplying it by the number of days.
The travel input is intentionally editable because actual travel varies. The default AUD 2,000 per applicant is a general guide and should be replaced with a realistic amount for your circumstances.
Who may need to provide financial evidence?
The Student visa Document Checklist Tool and ImmiAccount application identify whether financial evidence must be attached at lodgement. Where listed, required evidence should be included before submission or the application may be refused without a request for further documents.
Even where streamlined requirements allow a declaration, Home Affairs can still request evidence. Applicants should be able to substantiate tuition, living, travel and family costs.
Acceptable financial capacity evidence
Evidence can include deposits with a financial institution, an eligible government or financial-institution loan, a scholarship or similar support. Documents should demonstrate that the funds are genuinely available for use during the Australian stay.
If another person provides the funds, include their identity, relationship to the applicant, source of money and history or ability to provide support. Large or recent deposits require a credible explanation and supporting records.
Financial evidence checklist
- Use current Home Affairs figures and recheck them immediately before lodgement.
- Include first-year or pro-rata tuition less only documented payments.
- Account for every accompanying family member and school-age child.
- Show genuine access to funds, not only a temporary account balance.
- Explain the lawful source of recent, large or third-party deposits.
- Provide supporter identity and relationship evidence where applicable.
- Budget above minimum visa figures for realistic Australian living costs.
Annual income alternative
As an alternative method, an applicant can provide official government evidence that their parents or partner earned at least AUD 87,856 in the 12 months before application. Where family members accompany the student, the benchmark is AUD 102,500.
If both parents work, their income can be combined. The evidence must be official government documentation such as recent tax assessments; Home Affairs states that bank statements or direct employer evidence do not satisfy this annual-income method.
Costs not included automatically
The estimate does not automatically add visa charges, Overseas Student Health Cover, health examinations, biometrics, police certificates, deposits, accommodation bonds, utilities, devices, study materials, childcare or emergency reserves. Add these separately to a practical study budget.
How Echoes Global Education can assist
Echoes Global Education can calculate a tailored funds estimate, review tuition and family costs, identify the applicable document checklist, assess source-of-funds evidence and prepare a coordinated financial-capacity document plan.