Visa fees and the health surcharge are only the start. Deposits, the weeks before your first UK pay, a car, flights home at Christmas: most South African families only discover these once they arrive.
See your own figures in pounds and rand, so you can plan, save and arrive ready.
Enter your family and route. You get your exact Home Office fees and health surcharge, plus a first estimate of your year one total. Nothing you enter leaves this page.
The estimates use typical costs for a family like yours. They do not yet reflect your rent, your shipping quote, your pets, your car or what you will still send home.
The full calculator goes through more than 60 costs line by line, uses your own quotes, works out your take-home pay and monthly budget, and gives you a verdict with a savings plan and a date.
Get the full calculator, £47The free estimate shows the scale of the move. The full calculator turns it into your plan.
| What you get | Free estimate | Full calculator |
|---|---|---|
| Exact visa fees and health surcharge for your route | Yes | Yes |
| Year one total and landing cash | Rough estimate | Your own figures |
| More than 60 costs you can adjust: shipping, pets, flights, deposits, furniture, schools, car | No | Yes |
| UK take-home pay after tax and National Insurance, England or Scotland | No | Yes |
| Monthly budget showing your surplus or shortfall | No | Yes |
| The hidden costs of year one, from car insurance to flights home | No | Yes |
| Your verdict, savings target and the date you are on a firm footing | No | Yes |
| Every figure in pounds and rand, at today's rate | Totals only | Every line |
| Excel spreadsheet to keep, plus an offline calculator for your browser | No | Yes |
| Save your figures, come back and update them as your plans change | No | Yes |
| Free updates if official fees or tax rates change, until the April 2027 rates are published | No | Yes |
| Price | Free | £47, once |
Two versions of the same calculator, so you can work the way that suits you.
You receive a download link by email the moment you pay. No account, no subscription.
Visa and legal, relocation, landing fund, year one budget, hidden costs, and your verdict. About 45 minutes.
Save your figures, change them as quotes come in, and re-check the picture whenever your plans change.
Every year, thousands of South African families make the move to the UK. Most plan carefully for the visa. Far fewer are told about the rest: the deposit and first month's rent due before the keys, six weeks or more before the first UK pay arrives, car insurance quoted for a driver with no UK record, flights home at Christmas. Those costs arrive in the first months, when savings are at their thinnest, and they are why some families find the move harder than it needed to be. SAtoUK.co.uk puts every one of those costs in front of you, in pounds and rand, while there is still time to plan for them.
This calculator is not here to talk anyone out of moving. Families who know the numbers arrive prepared, settle faster and do not find themselves forced home by costs nobody mentioned.
One payment. The spreadsheet, the offline calculator, and free updates if official rates change, until the April 2027 rates are published.
Designed for a Windows or Mac computer with an up-to-date browser, and Microsoft Excel. Full requirements.
Get the full calculatorThree files to download: the Excel spreadsheet, the calculator as a single file you open in your web browser, and a short start-here guide. Both versions give the same results.
A Windows 10 or later, or macOS 12 or later, computer with an up-to-date browser (Chrome, Edge, Firefox or Safari) and JavaScript switched on for the browser version, and Microsoft Excel for the spreadsheet. Excel for the web and the free Excel mobile app also work. The browser version is designed for a computer, not a phone or tablet. Full details are in the terms.
For the spreadsheet, yes. It is designed for Microsoft Excel 2016 or later, Microsoft 365, Excel for the web or the free Excel mobile app. The browser calculator does not need Excel; it runs on its own, offline. Google Sheets and Apple Numbers can open the spreadsheet but do not keep its cell protection.
Skilled Worker, Health & Care Worker, Global Talent, UK Ancestry, Spouse / Partner and Student. Family members with British or Irish passports are handled too.
Official fees and tax rates were verified on 8 October 2026 against gov.uk and gov.scot. UK rates usually change in April. If a change materially affects your result before the April 2027 rates are published, you get an updated calculator free, including the update that reflects the April 2027 rates.
Yes. Many people make this move with little saved. The calculator shows how quickly your UK income can build your safety net, so you can go with a plan.
Because this is a digital download delivered immediately, purchases cannot be cancelled once the download has started. If a file is faulty, does not open on a device that meets the requirements, or does not match its description, email us and we will repair or replace it, or refund you if we cannot.
No. It is a planning tool. Always confirm current fees at gov.uk and take professional advice for your own situation before you apply or pay.