NHS Relocation Calculator: Visa, Registration and Arrival Costs

Moving to the UK for NHS work? See what it costs to arrive, with the official visa and NMC test fees filled in, then how much cash you need to reach your first payslip and what your first year looks like.

Checking you qualify first? Try the free visa eligibility checker. Weighing the UK against other countries? Use the pay vs working abroad calculator.

About your move

Not sure? Your Certificate of Sponsorship shows the route. Most clinical NHS roles use the Health and Care Worker visa.

Your UK pay

Your trust will tell you your band. The international recruitment guide explains how newly arrived staff are usually banded.

Costs you enter

Visa, health surcharge and NMC test fees are filled in from gov.uk and the NMC. These are costs we cannot verify for you, so they start at 0: add your own.

Check the current NMC, GMC and English test provider fees for the registration and test lines.

Living costs

Official average rents, to help you judge. These are averages for any rental property, so a room in a shared house costs less. Tap one to use it.

Source: ONS, Private rent and house prices, UK: 16 September 2026 (August 2026; Northern Ireland June 2026).

Convert any home income to pounds yourself, using the rate you trust. Use after-tax pay for a fair comparison.

Your answers are saved in this browser only (nothing is sent to us), so they are still here if you pay and come back.

What it costs to arrive

£1,201

£1,201 in official fees (gov.uk and the NMC) plus £0 from your own entries. For a nurse or midwife (NMC) on the Health and Care Worker visa, 1 person.

Your own costs (rent, flights, living costs) are still empty, so this is the official fees only. Add them on the left for your real figure.

Itemised costs to arrive
ItemAmount
Visa application fee (1 person at 324 each, up to 3 years)gov.uk£324
Immigration Health Surcharge (exempt on this visa)gov.uk£0
NMC computer-based test (CBT)NMC£83
NMC OSCE testNMC£794
NMC application and registration feesyou entered£0
English language test feesyou entered£0
Other exam or assessment feesyou entered£0
Other pre-arrival costs (TB test if required, translations, documents)you entered£0
Flightsyou entered£0
Tenancy deposit (5 weeks of rent)you entered£0
Living costs until your first payslip (1.5 months)you entered£0
Total£1,201

Savings to show on your account: £1,270

gov.uk asks for £1,270 for you, £285 for a partner, £315 for one child and £200 for each additional child, held for 28 days before you apply. It is not a fee and stays yours, and you may not need it if your sponsor certifies your maintenance on your Certificate of Sponsorship or you have held a UK visa for 12 months.

Your sponsor, not you, pays for the Certificate of Sponsorship (our guide gives £525). On the Health and Care Worker visa gov.uk says the holder does not pay the healthcare surcharge. Check on gov.uk that the same applies to your dependants.

UK take-home

£2,040 a month

£24,483 a year after tax, NI and NHS Pension

Payback on moving

Under 1 month

months of UK take-home to cover the up-front costs

Your first 12 months, cash in the bank

Starting with your savings, we take off the up-front costs, then living costs from day one, and add your take-home from your first payslip (month 2). Costs stay flat for this free view.

Savings needed to arrive

£1,201

to never go below zero

Balance after 12 months

+£19,201

lowest -£1,201 at arrival

Balance-£10k£0£10k£20kStartM3M6M9M12
Year one: take-home £20,402, living costs £0, money sent home £0, up-front costs £1,201.

Health and Care Worker visa or Skilled Worker: what you would pay

Same 3-year visa, 1 person. Fees from gov.uk. Which route you are on is decided by your job, not your choice.

RouteVisa feesHealth surchargeTotal
Health and Care Worker visa£324£0£324
Skilled Worker visa (standard)£819£3,105£3,924
Skilled Worker visa, Immigration Salary List job (reduced fee)£628£3,105£3,733

Skilled Worker figures are the outside-UK application rates. Read Skilled Worker vs Health and Care Worker visa for who qualifies for which.

Relocation Calculator Pro

See where you stand 3 years after you land

The free view covers arrival and your first year. The 3-year plan adds your pay moving up the pay points, yearly cost rises, a trip home, family arriving later and a savings goal, month by month.

Add your expected monthly rent on the left and your own 3-year balance appears here, blurred until you unlock.
  • A 36-month balance chart using your real band, with pay-point steps from NHS Employers' timetable
  • Yearly cost rises, a trip home each year and money sent home built in
  • Family arriving later: their visa fees land in the month they come, with their extra living costs
  • The month you reach your savings goal, and your lowest balance
  • Printable PDF and AI relocation guidance that reads your own numbers

Unlock this tool

£14.99 one-off

One-off payment for 6 months of access. Not a subscription, so nothing renews and nothing is taken later. The arrival costs, first-12-months cash view, route comparison and share link stay free.

Secure checkout by Stripe. Use the same email to sign in afterwards and your access is linked automatically. Your answers are kept on this device so you come straight back to your results.

Already on FrontlinePay Pro? Sign in and this unlocks by itself. Or get every tool for £54.99 a quarter or £119 a year: see all plans. Our editorial policy explains how we source our figures.

Next step

Compare NHS pay with working abroad

Not sure the UK is the right move? The free tool compares NHS take-home pay with other countries.

Open the pay comparison

Next step

Check you meet the visa rules first

The free eligibility checker runs through salary, job and English requirements before you spend money.

Check eligibility

Short answer

The Health and Care Worker visa costs £324 per person for up to 3 years or £628 for longer, and the holder pays no healthcare surcharge (GOV.UK). The standard Skilled Worker visa costs £819 or £1618 plus about £1,035 a year in surcharge. Overseas nurses also pay the NMC £83 for the computer-based test and £794 for the OSCE. A nurse travelling alone on a 3-year Health and Care Worker visa therefore faces £1,201 in official fees before registration fees, flights, a deposit and living costs.

Health and Care Worker visa cost

These are the figures GOV.UK publishes for the Health and Care Worker visa. Fees are per person, and each dependant pays the same.

ItemAmountNotes
Application fee, up to 3 years£324 per personSame inside or outside the UK
Application fee, more than 3 years£628 per personSame inside or outside the UK
Immigration Health Surcharge£0 for the visa holderHolders do not pay it and can use the NHS from the day the visa starts
Savings to show (you)£1,270Held for 28 days, unless your sponsor certifies maintenance or you have held a UK visa for 12 months
Savings to show (partner)£285Dependants only
Savings to show (children)£315 for one, £200 each additionalDependants only

For a partner and one child the visa fees alone come to £972 on a 3-year visa (£324 each for three people), and the savings to show come to £1,870. Sources: GOV.UK, Health and Care Worker visa, how much it costs and partners and children. Fees change, so check before you apply. Our guide to the Health and Care Worker visa covers eligibility, and the dependant visa guide covers bringing family.

Skilled Worker vs Health and Care Worker visa: what you pay

The two routes differ mainly in cost. Which one you use is set by your job and your sponsor, which is explained in our comparison guide. For one person:

RouteVisa lengthVisa feeHealth surchargeTotal
Health and Care Worker visa Up to 3 years £324 £0 £324
Skilled Worker visa (standard) Up to 3 years £819 £3,105 £3,924
Skilled Worker visa, Immigration Salary List job (reduced fee) Up to 3 years £628 £3,105 £3,733
Health and Care Worker visa 5 years £628 £0 £628
Skilled Worker visa (standard) 5 years £1,618 £5,175 £6,793
Skilled Worker visa, Immigration Salary List job (reduced fee) 5 years £1,235 £5,175 £6,410

The Skilled Worker fees are GOV.UK's outside-UK rates, and the surcharge is £1,035 a year per adult (Skilled Worker costs and healthcare surcharge). On a 5-year visa the standard route costs £6,165 more than the Health and Care Worker route for one person, and more for a family because the surcharge is charged per person.

NHS visa sponsorship: who pays for what

A visa needs a sponsor, which for most NHS recruits is the trust that offers the job. The sponsor assigns a Certificate of Sponsorship, which is its cost, not yours (our guide gives £525). You pay the visa application fee and any healthcare surcharge that applies to your route, plus your own registration, test, travel and living costs. Read the Certificate of Sponsorship guide, see which trusts sponsor visas, and check any tie-in clause in our return of service guide before you sign.

⚠Do not pay for sponsorship

Be wary of any recruiter who asks you to pay a large fee for a "guaranteed" job or sponsorship before you have an offer from an identifiable NHS trust. See how to avoid NHS recruitment scams.

NHS international recruitment: what each step costs

The order of events varies by profession and employer: see our realistic timeline. What we can price from official sources, and what you must enter, looks like this:

StepCostSource
NMC computer-based test (nurses and midwives)£83NMC
NMC OSCE (resit if 7 or fewer stations: £397)£794NMC
Visa application and healthcare surchargeSee aboveGOV.UK
NMC application and registration feesEnter your ownCheck the NMC
GMC and PLAB fees (doctors)Enter your ownCheck the GMC
English language test (IELTS or OET)Enter your ownTest provider, see our IELTS vs OET guide
Flights, deposit, living costs until your first payslipEnter your ownYour quotes

Single nurse, 3-year Health and Care Worker visa, both NMC tests: £1,201 in official fees, or £1,598 with one OSCE resit at the reduced fee. Read our guides to NMC registration for overseas nurses, GMC registration for overseas doctors, English requirements by profession and OSCE preparation.

Rent when you arrive: official averages and the deposit

Rent is the biggest cost you will face, and the only one with an official average we can quote. These ONS figures cover all rental property, so a room in a shared house costs less. Against a full-time Band 5 on the entry point (take-home about £2,040 a month, England scale):

AreaAverage rent a monthShare of Band 5 take-homeLeft after rentDeposit at 5 weeks
UK average £1,400 69% £640 £1,615
England average £1,459 72% £581 £1,683
London £2,332 114% -£292 £2,691
North East of England £788 39% £1,252 £909
Wales average £846 41% £1,194 £976
Scotland average £1,013 50% £1,027 £1,169
Northern Ireland average £874 43% £1,166 £1,008

Source: ONS, Private rent and house prices, UK: 16 September 2026 (August 2026; Northern Ireland June 2026). In England a tenancy deposit is capped at 5 weeks' rent where annual rent is under £50,000, and a holding deposit at one week's rent (GOV.UK, How to rent). The average London rent is £2,332 a month against £788 in the North East, so where your job is changes the whole picture. The London row ignores London weighting, which raises basic pay, so use the calculator with your London weighting zone for a fair figure. Our guide to cost of living for international NHS staff goes further.

A worked arrival budget using only official figures

A single nurse taking a job in the North East on a 3-year Health and Care Worker visa. The lines below are all we can source; flights, registration fees, English test, food and bills are yours to add:

LineAmount
Visa application fee£324
Healthcare surcharge£0
NMC CBT and OSCE£877
Deposit at 5 weeks of the ONS North East average rent£909
Total from official figures£2,110

Add one month of rent at the same average (£788) for the gap before your first payslip and the figure rises by that much. Your trust can tell you when pay starts. The calculator above does this for your own numbers, and shows the cash you need to arrive so your balance never goes below zero.

Your pay once you are here

A full-time Band 5 on the entry point takes home about £2,040 a month on the 2026/27 England scale, after tax, National Insurance and NHS Pension. Pay moves up the points on a set timetable: for Band 5 the top is reached after four years on NHS Employers' table, and the Pro plan builds that into your 36 months. For your exact figure at any band use the NHS pay calculator, and for how nights and weekends add to it the rota calculator. To see what a later promotion is worth, use the career earnings forecaster.

Settling in checklist

  • ✓ Confirm your visa route and sponsor details with your trust before you pay anything: see the route comparison.
  • ✓ Check your savings meet the maintenance requirement, or ask your sponsor whether it certifies maintenance on your Certificate of Sponsorship.
  • ✓ Plan housing and the right to rent checks: right to rent guide.
  • ✓ Set up a UK bank account early: banking and financial setup.
  • ✓ Read what the first three months look like: first 90 days.
  • ✓ Prepare for interviews and your CV with the NHS values format: values-based interview questions.

What this calculator does not include

ℹFees you enter and costs it cannot know

It cannot know your NMC or GMC registration fees, English test, flights, TB test if required, translations, or the rent for the home you will actually take, so those start at zero for you to fill in. It does not model your home country's tax, exchange rates, or visa settlement costs later on. Immigration rules change often: check gov.uk.

How we calculate it, and sources

Visa fees, the healthcare surcharge and savings requirements come from GOV.UK, and the NMC test fees from the NMC, all read in October 2026. Average rents are the ONS September 2026 release. Take-home pay uses the site's pay engine and the 2026/27 Agenda for Change scale, with pay-point timing from NHS Employers' pay scales table. Everything you type stays in your browser unless you use the optional Pro AI guidance. See our editorial policy for how we source figures.

  • • GOV.UK, Health and Care Worker visa: https://www.gov.uk/health-care-worker-visa
  • • GOV.UK, Skilled Worker visa costs: https://www.gov.uk/skilled-worker-visa/how-much-it-costs
  • • GOV.UK, Immigration Health Surcharge amounts: https://www.gov.uk/healthcare-immigration-application/how-much-pay
  • • NMC, CBT and OSCE fees: https://www.nmc.org.uk/registration/joining-the-register/toc/na-toc/osce/
  • • ONS, Private rent and house prices, UK: https://www.ons.gov.uk/economy/inflationandpriceindices/bulletins/privaterentandhousepricesuk/latest
  • • NHS Employers, Pay scales 2026/27: https://www.nhsemployers.org/articles/pay-scales-202627

Free and Pro compared

FeatureFreePro (£14.99 one-off, 180 days)
Itemised cost to arrive with official feesYesYes
First 12 months of cash, chart, savings neededYesYes
Visa route comparison, share linkYesYes
36-month plan with pay-point stepsNoYes
Cost rises, trip home, family arriving later, savings goalNoYes
PDF report and AI relocation guidanceNoYes

A FrontlinePay Pro subscription also unlocks everything. See pricing.

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Frequently asked questions

How much does the Health and Care Worker visa cost? +
GOV.UK lists the application fee at £324 per person for a visa of up to 3 years and £628 per person for more than 3 years, the same whether you apply from inside or outside the UK. Dependants pay the same fee each. You do not pay the healthcare surcharge as the visa holder. You also need to show £1,270 in savings for 28 days unless your sponsor certifies your maintenance. Fees change, so check gov.uk before you apply.
Do Health and Care Worker visa holders pay the Immigration Health Surcharge? +
No. GOV.UK says holders of the Health and Care Worker visa will not have to pay the healthcare surcharge and can use the NHS from the day the visa starts. The standard rate for most other visas is £1,035 a year per adult. The page we read does not spell out the position for dependants, so confirm on gov.uk that it covers your family.
What is the cost difference between the Skilled Worker visa and the Health and Care Worker visa? +
For one person on a 3-year visa, the Health and Care Worker visa costs £324 with no surcharge. The standard Skilled Worker visa costs £819 outside the UK plus the healthcare surcharge, which is £3,105 for 3 years at £1,035 a year, so £3,924 in total. A reduced Skilled Worker fee of £628 applies to jobs on the Immigration Salary List. Which route applies depends on your job and your sponsor, not on a choice you make: see our comparison guide.
Who pays for NHS visa sponsorship? +
Your sponsoring employer pays for the Certificate of Sponsorship (our guide gives £525) and the other costs of holding a sponsor licence. You pay your own visa application fee, any healthcare surcharge that applies to your route, and your own registration, test, travel and living costs. Be wary of any recruiter asking you to pay for sponsorship itself, and read our guide on recruitment scams.
How much money do I need to show in my bank account for the visa? +
GOV.UK asks for at least £1,270 for you, plus £285 for a partner, £315 for one child and £200 for each additional child, held for 28 days in a row with day 28 falling within 31 days of your application. You are exempt if you have held a UK visa for 12 months or more, or if your sponsor confirms it will cover your maintenance on your Certificate of Sponsorship. A partner and one child means £1,870 in total.
How much do the NMC tests cost for overseas nurses? +
The NMC lists the computer-based test at £83 and the OSCE at £794, with a reduced OSCE resit fee of £397 if you need to retake 7 or fewer stations. That is £877 for both tests at first attempt. We could not confirm the current NMC application and registration fees, so the calculator asks you to enter them: check the NMC website.
Does the calculator include GMC and PLAB fees for doctors? +
No. We could not read the GMC's current fee pages, so there is a box for you to enter your own PLAB and registration costs. Check the GMC website for the current figures and add them. The visa lines, deposit and living costs work the same for doctors.
How much will I take home in the UK? +
It depends on your band, point and any London weighting. A full-time Band 5 on the entry point, 2026/27 England scale, takes home about £2,040 a month after tax, National Insurance and NHS Pension. The calculator works it out for your band and shows how your pay moves up the pay points. Your trust will tell you the band your role is placed in.
Is rent included, and where do the rent figures come from? +
Rent is the one living cost you enter yourself, because the only official figures are averages. The tap-to-use averages come from the ONS (ONS, Private rent and house prices, UK: 16 September 2026 (August 2026; Northern Ireland June 2026)) and cover all types of rental property, so a room in a shared house is likely to cost less. London averages £2,332 a month and the North East £788.
Can my family come with me? +
Partners and children can often apply as dependants, but the rules have conditions and some roles are restricted. GOV.UK sets specific conditions for care workers, with qualifying dates and a few exceptions, and gives separate dates for some other roles. Each dependant pays the same visa fee, and you must show maintenance funds for them. Read the gov.uk page for dependants before you plan, and our dependant visa guide for the NHS position.
What is the difference between the free calculator and Pro? +
Free: the cost to arrive with every official fee itemised, your first 12 months of cash month by month, the route comparison and a share link. Pro (£14.99, one-off, 180 days, not a subscription) adds a 36-month plan with your pay moving up the pay points, yearly cost rises, a trip home, family arriving later, a savings goal, a PDF and AI relocation guidance. A Pro subscription also unlocks it.
Is this immigration advice? +
No. It is a planning tool built on published fees. Fees and rules change, and your own circumstances matter. Confirm everything on gov.uk, with the NMC or GMC and with your sponsor, and use an OISC-regulated adviser or immigration solicitor for advice on your own case.

Related guides and tools

Last updated October 2026. Independent guidance; FrontlinePay is not affiliated with the NHS, NMC, GMC or the Home Office.