Home Office Appendix FM Verified£29,000 Financial Rule 2026
UK Spouse Visa £29,000 Financial Calculator
Calculate your eligibility under the £29,000 UK Spouse Visa income threshold. Combine employment salary with cash savings using official Home Office formulas.
Spouse Visa Income & Savings Evaluator
Cash Savings Formula
Home Office Formula: (Cash Savings - £16,000) ÷ 2.5.
To rely 100% on cash savings with zero income, you need **£88,500** in personal savings held for 6 months.
Frequently Asked Questions (Spouse Visa 2026)
No. The UK government officially paused the proposed increase to £38,700. The minimum income threshold remains £29,000 for 2026 applications.
Cash savings must be held in a personal bank account in your name (or joint names) for at least 6 continuous months prior to the application date.
Yes. Non-salaried income, self-employment profits, company dividends, and rental income can be counted under Category F/G of Appendix FM, provided tax returns and accountant certificates are provided.