❤️ Home Office Appendix FM 2026💷 £29,000 Minimum Income💰 £88,500 Savings Floor
UK Spouse Visa Financial Requirement Calculator 2026
Test your eligibility under the UK Spouse & Partner Visa £29,000 financial requirement using sponsor income, applicant UK income, and the official £16,000 + 2.5x savings formula.
2026 Appendix FM Standard Rules
The current minimum income threshold is £29,000 per year. Cash savings formula: £16,000 + (2.5 × Income Shortfall). Zero income requires £88,500 in cash savings.
Financial Requirement Evaluator
Calculates qualifying income and required cash savings under Appendix FM
Appendix FM Cash Savings Formula Reference
| Qualifying Annual Income | Income Shortfall | Required Cash Savings (£16,000 + 2.5x Shortfall) |
|---|---|---|
| £29,000 or more | £0 | £0 (No savings needed) |
| £25,000 | £4,000 | £26,000 (£16,000 + £10,000) |
| £20,000 | £9,000 | £38,500 (£16,000 + £22,500) |
| £0 (Zero Income) | £29,000 | £88,500 (£16,000 + £72,500) |
Frequently Asked Questions (6 Detailed FAQs)
For the standard partner route under current rules, the minimum income requirement is £29,000 a year.
If there is zero qualifying income, the required cash savings are £88,500 (£16,000 base + 2.5 × £29,000).
For overseas entry clearance, standard rules rely on the UK sponsor’s income. If applying in-country with work permission, applicant income counts.
Normally, cash savings relied upon must have been held for 6 months, subject to specific Appendix FM-SE exceptions for property sales or investment proceeds.
If the UK partner receives a qualifying disability or carer benefit, the adequate maintenance test applies instead of the £29,000 threshold.
Applicants extending with the same partner who first applied before 11 April 2024 remain on the legacy £18,600 threshold.
Official 2026 Home Office Sources
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2026 Financial Benchmarks
Minimum Income£29,000 / yr
Savings Only£88,500
Savings Base£16,000
Savings Multiplier2.5x Shortfall