{"id":28853,"date":"2026-08-05T11:35:55","date_gmt":"2026-08-05T01:35:55","guid":{"rendered":"https:\/\/amesgroup.com.au\/?page_id=28853"},"modified":"2026-08-06T13:36:23","modified_gmt":"2026-08-06T03:36:23","slug":"australian-student-visa-financial-calculator","status":"publish","type":"page","link":"https:\/\/amesgroup.com.au\/pt\/australian-student-visa-financial-calculator\/","title":{"rendered":"Australian Student Visa Financial Calculator"},"content":{"rendered":"<style>\r\n    @import url('https:\/\/fonts.googleapis.com\/css2?family=Poppins:ital,wght@0,400;0,500;0,600;0,700;0,800;1,400&display=swap');\r\n\r\n    .ames-financial-guide {\r\n        --navy: #2a3074;\r\n        --royal: #26388b;\r\n        --teal: #0085bd;\r\n        --orange: #e8822e;\r\n        --medium-blue: #1156a1;\r\n        --brown: #a55c35;\r\n        --button: #e8822e;\r\n        --button-hover: #0085bd;\r\n        --pale: #fff;\r\n        --line: #607cbd;\r\n        color: var(--navy);\r\n        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break-inside: avoid;\r\n        }\r\n\r\n        .ames-financial-guide .fg-result-list strong {\r\n            text-align: right;\r\n        }\r\n\r\n        .ames-financial-guide .fg-total,\r\n        .ames-financial-guide .fg-planning-total {\r\n            margin-top: 7px;\r\n        }\r\n\r\n        .ames-financial-guide .fg-planning-total {\r\n            padding-top: 8px;\r\n        }\r\n\r\n        .ames-financial-guide .fg-results-note {\r\n            margin-top: 8px;\r\n            line-height: 1.35;\r\n        }\r\n    }\r\n<\/style>\r\n\r\n<div class=\"ames-financial-guide\">\r\n    <section class=\"fg-hero\" aria-labelledby=\"fg-title\">\r\n        <div class=\"fg-wrap fg-hero-grid\">\r\n            <div>\r\n                <h1 id=\"fg-title\">Not financially ready yet? Start with a <span class=\"fg-highlight\">realistic study plan.<\/span><\/h1>\r\n                <p class=\"fg-lead\">A sustainable plan begins with an honest picture of study costs, funding and timing. You do not need to solve everything today to take a thoughtful next step.<\/p>\r\n                <a class=\"fg-btn\" href=\"#fg-calculator\">Calculate your financial requirements<\/a>\r\n            <\/div>\r\n            <aside class=\"fg-card fg-current\" aria-labelledby=\"fg-current-title\">\r\n                <h2 id=\"fg-current-title\">Plan for the full picture<\/h2>\r\n                <p>Financial capacity is a Student visa consideration. The current Home Affairs Document Checklist determines the evidence required, and actual living costs can be higher than visa minimums.<\/p>\r\n                <a href=\"https:\/\/immi.homeaffairs.gov.au\/visas\/web-evidentiary-tool\" target=\"_blank\" rel=\"noopener\">View the Home Affairs Document Checklist<\/a>\r\n            <\/aside>\r\n        <\/div>\r\n    <\/section>\r\n\r\n    <section class=\"fg-section\" aria-labelledby=\"fg-path-title\">\r\n        <div class=\"fg-wrap\">\r\n            <div class=\"fg-section-intro\">\r\n                <h2 id=\"fg-path-title\">A four-stage plan for financial readiness<\/h2>\r\n                <p class=\"fg-disclaimer\">Students should not rely on work to support themselves or accompanying family. This is general information, not individual migration advice.<\/p>\r\n            <\/div>\r\n            <div class=\"fg-steps\">\r\n                <article class=\"fg-step\">\r\n                    <span class=\"fg-num\" aria-hidden=\"true\">1<\/span>\r\n                    <h3>Map the full study budget<\/h3>\r\n                    <p>List costs before and during study, including a contingency. Use realistic local costs, not only a minimum figure.<\/p>\r\n                <\/article>\r\n                <article class=\"fg-step\">\r\n                    <span class=\"fg-num\" aria-hidden=\"true\">2<\/span>\r\n                    <h3>Check genuine funding options<\/h3>\r\n                    <p>Consider savings, genuine family support appropriately evidenced, provider scholarships and payment plans if available.<\/p>\r\n                <\/article>\r\n                <article class=\"fg-step\">\r\n                    <span class=\"fg-num\" aria-hidden=\"true\">3<\/span>\r\n                    <h3>Build a timeline<\/h3>\r\n                    <p>Align savings, course deposits, application steps and your intended start date.<\/p>\r\n                <\/article>\r\n                <article class=\"fg-step\">\r\n                    <span class=\"fg-num\" aria-hidden=\"true\">4<\/span>\r\n                    <h3>Review readiness<\/h3>\r\n                    <p>Choose a course and destination that fit a sustainable budget, then check current evidence requirements.<\/p>\r\n                <\/article>\r\n            <\/div>\r\n        <\/div>\r\n    <\/section>\r\n\r\n    <section class=\"fg-resource-band\" aria-label=\"Budget planning resources\">\r\n        <div class=\"fg-wrap\">\r\n            <div class=\"fg-resources\">\r\n                <article class=\"fg-card fg-resource\">\r\n                    <h2>Honest budget planner<\/h2>\r\n                    <p>Use these categories to begin your own planning. Add current estimates for your intended course and location.<\/p>\r\n                    <div class=\"fg-table-wrap\" tabindex=\"0\" role=\"region\" aria-label=\"Scrollable budget categories\">\r\n                        <table class=\"fg-table\">\r\n                            <thead><tr><th scope=\"col\">Budget category<\/th><th scope=\"col\">Plan to check<\/th><\/tr><\/thead>\r\n                            <tbody>\r\n                                <tr><td>Tuition<\/td><td>Fees, timing and provider payment plans<\/td><\/tr>\r\n                                <tr><td>OSHC<\/td><td>Cover relevant to your situation<\/td><\/tr>\r\n                                <tr><td>Visa application charge<\/td><td>Current official charge and timing<\/td><\/tr>\r\n                                <tr><td>Turismo<\/td><td>Flights and local transport<\/td><\/tr>\r\n                                <tr><td>Accommodation and bond<\/td><td>Upfront housing costs<\/td><\/tr>\r\n                                <tr><td>Living costs<\/td><td>Food, utilities and daily needs<\/td><\/tr>\r\n                                <tr><td>Education materials<\/td><td>Books, equipment and course needs<\/td><\/tr>\r\n                                <tr><td>Health checks and biometrics<\/td><td>Potential required appointments<\/td><\/tr>\r\n                                <tr><td>Contingency<\/td><td>Changes, delays and unexpected costs<\/td><\/tr>\r\n                            <\/tbody>\r\n                        <\/table>\r\n                    <\/div>\r\n                <\/article>\r\n\r\n                <article class=\"fg-card fg-resource fg-planning-support\">\r\n                    <h2>Keep your plan genuine<\/h2>\r\n                    <p>Lawful pathways may include savings, genuine family sponsorship or support where appropriately evidenced, provider scholarships, available provider payment plans, and course or destination choices that fit a sustainable budget.<\/p>\r\n                    <div class=\"fg-alert\"><strong>Do not misrepresent your position.<\/strong>Do not use temporary borrowing solely to appear funded, provide false documents, or rely on uncertain work income.<\/div>\r\n                    <h3>Starter checklist<\/h3>\r\n                    <ul class=\"fg-checklist\">\r\n                        <li>Course and location ideas<\/li>\r\n                        <li>Intended start date<\/li>\r\n                        <li>Budget questions<\/li>\r\n                        <li>Genuine funding overview<\/li>\r\n                    <\/ul>\r\n                    <p class=\"fg-footnote\">No document upload is needed to start a conversation.<\/p>\r\n                <\/article>\r\n            <\/div>\r\n        <\/div>\r\n    <\/section>\r\n\r\n    <section class=\"fg-section fg-support\" aria-label=\"Financial calculator and frequently asked questions\">\r\n        <div class=\"fg-wrap\">\r\n            <article class=\"fg-card fg-calculator\" id=\"fg-calculator\" aria-labelledby=\"fg-calculator-title\">\r\n                <h2 id=\"fg-calculator-title\">Estimate your first-year funding target<\/h2>\r\n                <p class=\"fg-calculator-intro\">Use our financial calculator to estimate your first-year funding target based on the current guidelines.<\/p>\r\n                <p class=\"fg-calculator-note\">This is an indicative planning tool, not migration, legal or financial advice. It does not determine whether you meet visa requirements or whether a visa will be granted. Visa requirements, course fees and living costs can change. Confirm current requirements with the <a href=\"https:\/\/immi.homeaffairs.gov.au\/visas\/getting-a-visa\/visa-listing\/student-500\" target=\"_blank\" rel=\"noopener\">Australian Department of Home Affairs<\/a> and obtain independent advice where appropriate.<\/p>\r\n\r\n                <form class=\"fg-calculator-form\" novalidate action=\"\">\r\n                    <p class=\"fg-help\"><span class=\"fg-required\" aria-hidden=\"true\">*<\/span> Required field<\/p>\r\n                    <div class=\"fg-error-summary fg-hidden\" role=\"alert\" tabindex=\"-1\" aria-labelledby=\"fg-error-title\">\r\n                        <strong id=\"fg-error-title\">Please correct the following:<\/strong>\r\n                        <ul><\/ul>\r\n                    <\/div>\r\n\r\n                    <fieldset>\r\n                        <legend>1. Course costs<\/legend>\r\n                        <div class=\"fg-field\">\r\n                            <label for=\"fg-tuition\">Total tuition (AUD) <span class=\"fg-required\" aria-hidden=\"true\">*<\/span><\/label>\r\n                            <input id=\"fg-tuition\" name=\"tuition\" inputmode=\"decimal\" autocomplete=\"off\" required aria-required=\"true\" aria-describedby=\"fg-tuition-help\">\r\n                            <small class=\"fg-help\" id=\"fg-tuition-help\">Enter the tuition for the full course, using numbers only.<\/small>\r\n                        <\/div>\r\n                        <div class=\"fg-field-grid\">\r\n                            <div class=\"fg-field\">\r\n                                <label for=\"fg-duration\">Course duration in months <span class=\"fg-required\" aria-hidden=\"true\">*<\/span><\/label>\r\n                                <select id=\"fg-duration\" name=\"duration\" required aria-required=\"true\">\r\n                                    <option value=\"\">Select duration<\/option>\r\n                                    <option value=\"6\">6 months<\/option>\r\n                                    <option value=\"12\">12 months<\/option>\r\n                                    <option value=\"24\">24 months<\/option>\r\n                                    <option value=\"36\">36 months<\/option>\r\n                                    <option value=\"48\">48 months<\/option>\r\n                                <\/select>\r\n                            <\/div>\r\n                            <div class=\"fg-field\">\r\n                                <label for=\"fg-paid\">Tuition already paid (AUD) <span class=\"fg-required\" aria-hidden=\"true\">*<\/span><\/label>\r\n                                <input id=\"fg-paid\" name=\"paid\" inputmode=\"decimal\" autocomplete=\"off\" value=\"0\" required aria-required=\"true\">\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/fieldset>\r\n\r\n                    <fieldset>\r\n                        <legend>2. Travel and accompanying family<\/legend>\r\n                        <div class=\"fg-field\">\r\n                            <label for=\"fg-location\">Applying from <span class=\"fg-required\" aria-hidden=\"true\">*<\/span><\/label>\r\n                            <select id=\"fg-location\" name=\"location\" required aria-required=\"true\">\r\n                                <option value=\"other\">Other location outside Australia<\/option>\r\n                                <option value=\"east-southern\">East or Southern Africa<\/option>\r\n                                <option value=\"west\">West Africa<\/option>\r\n                                <option value=\"australia\">In Australia<\/option>\r\n                            <\/select>\r\n                        <\/div>\r\n                        <label class=\"fg-check-field\" for=\"fg-return-africa\">\r\n                            <input id=\"fg-return-africa\" name=\"returnAfrica\" type=\"checkbox\">\r\n                            <span>Returning to Africa when applying from Australia<\/span>\r\n                        <\/label>\r\n                        <label class=\"fg-check-field\" for=\"fg-partner\">\r\n                            <input id=\"fg-partner\" name=\"partner\" type=\"checkbox\">\r\n                            <span>Accompanying partner<\/span>\r\n                        <\/label>\r\n                        <div class=\"fg-field-grid\">\r\n                            <div class=\"fg-field\">\r\n                                <label for=\"fg-children\">Accompanying children <span class=\"fg-required\" aria-hidden=\"true\">*<\/span><\/label>\r\n                                <input id=\"fg-children\" name=\"children\" inputmode=\"numeric\" autocomplete=\"off\" value=\"0\" required aria-required=\"true\">\r\n                            <\/div>\r\n                            <div class=\"fg-field\">\r\n                                <label for=\"fg-school-children\">School-age accompanying children <span class=\"fg-required\" aria-hidden=\"true\">*<\/span><\/label>\r\n                                <input id=\"fg-school-children\" name=\"schoolChildren\" inputmode=\"numeric\" autocomplete=\"off\" value=\"0\" required aria-required=\"true\">\r\n                            <\/div>\r\n                        <\/div>\r\n                        <label class=\"fg-check-field\" for=\"fg-waiver\">\r\n                            <input id=\"fg-waiver\" name=\"waiver\" type=\"checkbox\">\r\n                            <span>I have confirmed an eligible school-cost waiver<\/span>\r\n                        <\/label>\r\n                    <\/fieldset>\r\n\r\n                    <fieldset>\r\n                        <legend>3. Your additional planning expenses<\/legend>\r\n                        <p class=\"fg-help\">These user-entered expenses are planning estimates only. They are not included in the indicative visa financial-capacity minimum and are not government financial-capacity requirements.<\/p>\r\n                        <div class=\"fg-field-grid\">\r\n                            <div class=\"fg-field\"><label for=\"fg-oshc\">OSHC (AUD)<\/label><input id=\"fg-oshc\" name=\"oshc\" inputmode=\"decimal\" autocomplete=\"off\" value=\"0\"><\/div>\r\n                            <div class=\"fg-field\">\r\n                                <label for=\"fg-visa-charge\">Visa charges (AUD)<\/label>\r\n                                <input id=\"fg-visa-charge\" name=\"visaCharge\" inputmode=\"decimal\" autocomplete=\"off\" value=\"2500\" aria-describedby=\"fg-visa-charge-help\">\r\n                                <small class=\"fg-help\" id=\"fg-visa-charge-help\">AUD2,500 is used as an indicative base application charge. Cost concessions and subsequent visa application charges may apply. Confirm the current amount with the <a href=\"https:\/\/immi.homeaffairs.gov.au\/visas\/getting-a-visa\/fees-and-charges\/current-visa-pricing\" target=\"_blank\" rel=\"noopener\">Australian Department of Home Affairs<\/a>.<\/small>\r\n                            <\/div>\r\n                            <div class=\"fg-field\"><label for=\"fg-setup\">Accommodation, bond and set-up (AUD)<\/label><input id=\"fg-setup\" name=\"setup\" inputmode=\"decimal\" autocomplete=\"off\" value=\"0\"><\/div>\r\n                            <div class=\"fg-field\"><label for=\"fg-materials\">Books, equipment and materials (AUD)<\/label><input id=\"fg-materials\" name=\"materials\" inputmode=\"decimal\" autocomplete=\"off\" value=\"0\"><\/div>\r\n                            <div class=\"fg-field\"><label for=\"fg-extra-living\">Living costs above the visa guide (AUD)<\/label><input id=\"fg-extra-living\" name=\"extraLiving\" inputmode=\"decimal\" autocomplete=\"off\" value=\"0\"><\/div>\r\n                            <div class=\"fg-field\"><label for=\"fg-extra-travel\">Travel costs above the visa guide (AUD)<\/label><input id=\"fg-extra-travel\" name=\"extraTravel\" inputmode=\"decimal\" autocomplete=\"off\" value=\"0\"><\/div>\r\n                            <div class=\"fg-field\"><label for=\"fg-contingency\">Contingency (AUD)<\/label><input id=\"fg-contingency\" name=\"contingency\" inputmode=\"decimal\" autocomplete=\"off\" value=\"0\"><\/div>\r\n                            <div class=\"fg-field\"><label for=\"fg-other-costs\">Other first-year costs (AUD)<\/label><input id=\"fg-other-costs\" name=\"otherCosts\" inputmode=\"decimal\" autocomplete=\"off\" value=\"0\"><\/div>\r\n                        <\/div>\r\n                    <\/fieldset>\r\n\r\n                    <div class=\"fg-actions\">\r\n                        <button class=\"fg-btn\" type=\"button\" data-fg-calculate>Calculate my estimate<\/button>\r\n                    <\/div>\r\n                    <p class=\"fg-runtime-warning\" data-fg-runtime-warning role=\"status\">The calculator script has not loaded. Please ask the website administrator to enable the AMES financial-guide calculator code snippet.<\/p>\r\n                <input type=\"hidden\" name=\"trp-form-language\" value=\"pt\"\/><\/form>\r\n\r\n                <div class=\"fg-results fg-hidden\" tabindex=\"-1\" aria-live=\"off\" aria-atomic=\"true\">\r\n                    <h3>Your financial estimate<\/h3>\r\n                    <p class=\"fg-print-meta\">Calculation generated <span data-fg-result=\"generated\"><\/span><\/p>\r\n                    <h4>Indicative visa financial-capacity minimum<\/h4>\r\n                    <ul class=\"fg-result-list\">\r\n                        <li><span>First-year tuition less paid tuition<\/span><strong data-fg-result=\"tuition\"><\/strong><\/li>\r\n                        <li><span>Living-cost guide<\/span><strong data-fg-result=\"living\"><\/strong><\/li>\r\n                        <li data-fg-school-row><span>School-cost guide<\/span><strong data-fg-result=\"school\"><\/strong><\/li>\r\n                        <li><span>Travel-cost guide<\/span><strong data-fg-result=\"travel\"><\/strong><\/li>\r\n                    <\/ul>\r\n                    <p class=\"fg-total\">Indicative visa financial-capacity minimum: <span data-fg-result=\"total\"><\/span><\/p>\r\n                    <p class=\"fg-results-note\">This is your indicative minimum financial-capacity requirement. If Home Affairs requires financial evidence, your documents generally need to demonstrate access to at least this value. This amount is not an expense; it is an estimate of the funds you may need to show you can access.<\/p>\r\n\r\n                    <h4>Your additional planning expenses<\/h4>\r\n                    <ul class=\"fg-result-list\">\r\n                        <li><span>OSHC<\/span><strong data-fg-result=\"oshc\"><\/strong><\/li>\r\n                        <li><span>Visa charges<\/span><strong data-fg-result=\"visaCharge\"><\/strong><\/li>\r\n                        <li><span>Accommodation, bond and set-up<\/span><strong data-fg-result=\"setup\"><\/strong><\/li>\r\n                        <li><span>Books, equipment and materials<\/span><strong data-fg-result=\"materials\"><\/strong><\/li>\r\n                        <li><span>Additional living and travel<\/span><strong data-fg-result=\"extra\"><\/strong><\/li>\r\n                        <li><span>Contingency and other costs<\/span><strong data-fg-result=\"contingencyOther\"><\/strong><\/li>\r\n                    <\/ul>\r\n                    <p class=\"fg-planning-total\">Your total additional planning expenses: <span data-fg-result=\"planningTotal\"><\/span><\/p>\r\n                    <p class=\"fg-results-note\">Your actual costs may be higher. User-entered planning costs are not government requirements. This calculator does not determine visa eligibility or provide migration advice. Check the <a href=\"https:\/\/immi.homeaffairs.gov.au\/visas\/web-evidentiary-tool\" target=\"_blank\" rel=\"noopener\">Home Affairs Document Checklist Tool<\/a> for requirements that depend on you and your proposed study.<\/p>\r\n                    <div class=\"fg-actions\">\r\n                        <button class=\"fg-btn\" type=\"button\" data-fg-print>Save calculation as PDF<\/button>\r\n                    <\/div>\r\n                    <p class=\"fg-pdf-help\">Your browser&#8217;s print dialogue will open. Choose its \u201cSave as PDF\u201d destination.<\/p>\r\n                <\/div>\r\n            <\/article>\r\n\r\n            <section class=\"fg-faq-block\" aria-labelledby=\"fg-faq-title\">\r\n                <h2 class=\"fg-faq-heading\" id=\"fg-faq-title\">Questions students often ask<\/h2>\r\n                <details>\r\n                    <summary>Can I rely on part-time work?<\/summary>\r\n                    <p>No. Plan to support yourself and any accompanying family without relying on uncertain work income. Actual living costs may be higher than visa minimums.<\/p>\r\n                <\/details>\r\n                <details>\r\n                    <summary>Can AMES Group guarantee financial approval?<\/summary>\r\n                    <p>No. AMES Group cannot guarantee visa outcomes or financial assessment outcomes. Requirements and evidence depend on your circumstances and the current Document Checklist.<\/p>\r\n                <\/details>\r\n                <details>\r\n                    <summary>Should I borrow money just for a statement?<\/summary>\r\n                    <p>No. Temporary borrowing solely to appear funded can create serious issues. Discuss only genuine, sustainable funding arrangements.<\/p>\r\n                <\/details>\r\n                <details>\r\n                    <summary>What should I discuss in a consultation?<\/summary>\r\n                    <p>You can discuss study goals, timing, course ideas, budget questions and genuine funding. Individual requirements and document requests depend on the current Home Affairs Document Checklist and education provider requirements.<\/p>\r\n                <\/details>\r\n            <\/section>\r\n        <\/div>\r\n    <\/section>\r\n\r\n    <section class=\"fg-final\" aria-labelledby=\"fg-final-title\">\r\n        <div class=\"fg-wrap fg-final-inner\">\r\n            <h2 id=\"fg-final-title\">Are your finances ready?<\/h2>\r\n            <p class=\"fg-next\">Book an online consultation with one of our counsellors to get a study plan.<\/p>\r\n            <a class=\"fg-btn\" href=\"https:\/\/amesgroup.com.au\/pt\/book-appointment\/\">Book an appointment to discuss your study budget<\/a>\r\n            <p class=\"fg-trust\">Migration assistance is provided through a Registered Migration Agent (MARN 1068304). Visa outcomes cannot be guaranteed.<\/p>\r\n        <\/div>\r\n    <\/section>\r\n<\/div>\r\n<!-- The calculator behaviour is intentionally provided by a separate WordPress code snippet. -->","protected":false},"excerpt":{"rendered":"<p>Not financially ready yet? Start with a realistic study plan. A sustainable plan begins with an honest picture of study costs, funding and timing. You do not need to solve everything today to take a thoughtful next step. Calculate your financial requirements Plan for the full picture Financial capacity is a Student visa consideration. The [&hellip;]<\/p>","protected":false},"author":6,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_eb_attr":"","content-type":"","footnotes":""},"class_list":["post-28853","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/amesgroup.com.au\/pt\/wp-json\/wp\/v2\/pages\/28853","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/amesgroup.com.au\/pt\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/amesgroup.com.au\/pt\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/amesgroup.com.au\/pt\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/amesgroup.com.au\/pt\/wp-json\/wp\/v2\/comments?post=28853"}],"version-history":[{"count":24,"href":"https:\/\/amesgroup.com.au\/pt\/wp-json\/wp\/v2\/pages\/28853\/revisions"}],"predecessor-version":[{"id":28878,"href":"https:\/\/amesgroup.com.au\/pt\/wp-json\/wp\/v2\/pages\/28853\/revisions\/28878"}],"wp:attachment":[{"href":"https:\/\/amesgroup.com.au\/pt\/wp-json\/wp\/v2\/media?parent=28853"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}