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Financial Capacity Calculator

The Department of Home Affairs requires student visa (Subclass 500 and 590) applicants to demonstrate sufficient funds to cover course fees, living costs, and travel. This calculator uses the amounts published in the Migration (LIN 19/198) Amendment (LIN 24/042) Specification 2024 to help you estimate your minimum evidential requirement.

Published source figures used in this calculator

  • Living costs (primary applicant): AUD 29,710 per year — Migration (LIN 19/198) Amendment (LIN 24/042) Specification 2024, Federal Register of Legislation — legislation.gov.au/F2024L00529 — retrieved 2026-08-07.
  • Living costs (accompanying spouse / de facto partner): AUD 10,394 per year — same instrument.
  • Living costs (each accompanying dependent child): AUD 4,449 per year — same instrument.
  • Travel allowance: DHA does not publish a fixed travel allowance figure. This calculator uses a figure you supply.
  • OSHC and medical/biometric costs: No government-set figure exists. Not included in this calculator's total — see the notes below the result.

Your situation

Enter the annual tuition fee stated in your Confirmation of Enrolment (CoE) or provider offer letter.

DHA requires evidence of funds covering at least the first 12 months of your course.

Is a spouse or de facto partner accompanying you to Australia?

DHA does not publish a fixed travel allowance figure. Enter your own estimated return airfare cost.

Estimated total funds to evidence

AUD 29,710

Estimate based on published DHA amounts as at 2026-08-07. Not advice. OSHC and medical/biometric costs are NOT included — see below.

Course fees — your estimate (12 months)AUD 0

Based on the figure you entered above.

Living costs — primary applicantAUD 29,710

Source: Migration (LIN 19/198) Amendment (LIN 24/042) Specification 2024 — Federal Register of Legislation

Living costs — accompanying spouse / de facto partner (none)AUD 0

The published rules state AUD 10,394 per year is required for an accompanying spouse or de facto partner.

Living costs — dependent children (none)AUD 0

The published rules state AUD 4,449 per year is required for each accompanying dependent child.

Return airfare — your estimateAUD 0

DHA does not publish a fixed travel allowance figure. This is your personal estimate only.

Total funds to evidenceAUD 29,710

Excludes OSHC and medical/biometric costs — see notes below. Not a guarantee of visa approval.

Additional costs NOT included above

Overseas Student Health Cover (OSHC)

OSHC cost varies by approved provider and policy length. There is no government-set price — each provider (ahm, Allianz Care, BUPA, CBHS, Medibank, nib) sets their own rates independently.

Compare approved providers: Overseas Student Health Cover — Private Health Insurance Ombudsman (Australian Government) — privatehealth.gov.au

Medical exam and biometrics

Medical exam and biometric costs vary by location and provider — confirm current costs when booking your appointment.

General information only. This calculator provides an estimate based on amounts published by the Department of Home Affairs as at 2026-08-07. Published rules state these as the minimum funds required — your actual circumstances may require more. This is not migration advice. For decisions about your visa application, consult a MARA-registered migration agent or an Australian immigration lawyer.

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Source: Department of Home AffairsUpdated: 7 August 2026View official source