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.
| Item | Amount |
|---|---|
| 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
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.
| Route | Visa fees | Health surcharge | Total |
|---|---|---|---|
| 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.
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.
- 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 comparisonNext step
Check you meet the visa rules first
The free eligibility checker runs through salary, job and English requirements before you spend money.
Check eligibilityShort 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.
| Item | Amount | Notes |
|---|---|---|
| Application fee, up to 3 years | £324 per person | Same inside or outside the UK |
| Application fee, more than 3 years | £628 per person | Same inside or outside the UK |
| Immigration Health Surcharge | £0 for the visa holder | Holders do not pay it and can use the NHS from the day the visa starts |
| Savings to show (you) | £1,270 | Held for 28 days, unless your sponsor certifies maintenance or you have held a UK visa for 12 months |
| Savings to show (partner) | £285 | Dependants only |
| Savings to show (children) | £315 for one, £200 each additional | Dependants 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:
| Route | Visa length | Visa fee | Health surcharge | Total |
|---|---|---|---|---|
| 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:
| Step | Cost | Source |
|---|---|---|
| NMC computer-based test (nurses and midwives) | £83 | NMC |
| NMC OSCE (resit if 7 or fewer stations: £397) | £794 | NMC |
| Visa application and healthcare surcharge | See above | GOV.UK |
| NMC application and registration fees | Enter your own | Check the NMC |
| GMC and PLAB fees (doctors) | Enter your own | Check the GMC |
| English language test (IELTS or OET) | Enter your own | Test provider, see our IELTS vs OET guide |
| Flights, deposit, living costs until your first payslip | Enter your own | Your 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):
| Area | Average rent a month | Share of Band 5 take-home | Left after rent | Deposit 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:
| Line | Amount |
|---|---|
| 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
| Feature | Free | Pro (£14.99 one-off, 180 days) |
|---|---|---|
| Itemised cost to arrive with official fees | Yes | Yes |
| First 12 months of cash, chart, savings needed | Yes | Yes |
| Visa route comparison, share link | Yes | Yes |
| 36-month plan with pay-point steps | No | Yes |
| Cost rises, trip home, family arriving later, savings goal | No | Yes |
| PDF report and AI relocation guidance | No | Yes |
A FrontlinePay Pro subscription also unlocks everything. See pricing.
Free download: new starter checklist for international NHS recruits
Visa, registration, money and housing steps from offer to your first 90 days. We'll also send visa, registration and relocation changes that affect international recruits.
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Frequently asked questions
How much does the Health and Care Worker visa cost? +
Do Health and Care Worker visa holders pay the Immigration Health Surcharge? +
What is the cost difference between the Skilled Worker visa and the Health and Care Worker visa? +
Who pays for NHS visa sponsorship? +
How much money do I need to show in my bank account for the visa? +
How much do the NMC tests cost for overseas nurses? +
Does the calculator include GMC and PLAB fees for doctors? +
How much will I take home in the UK? +
Is rent included, and where do the rent figures come from? +
Can my family come with me? +
What is the difference between the free calculator and Pro? +
Is this immigration advice? +
Related guides and tools
NHS Health and Care Worker visa explained
Eligibility, costs and how the route works.
Skilled Worker vs Health and Care Worker visa
How the two relate and which applies to you.
NHS Certificate of Sponsorship explained
Who issues and pays for it.
NHS trusts that sponsor visas
Where to look for sponsorship.
NMC registration for overseas nurses
CBT, OSCE and the route to the register.
GMC registration for overseas doctors
PLAB, alternative routes and licence.
NHS overseas recruitment timeline
A realistic order of events and waits.
Cost of living for international NHS staff
Rent and everyday costs across the UK.
How to avoid NHS recruitment scams
Fees you should never pay.
Visa eligibility checker (free tool)
Check the rules before you spend.
NHS pay vs working abroad (free tool)
Compare NHS take-home with other countries.
Last updated October 2026. Independent guidance; FrontlinePay is not affiliated with the NHS, NMC, GMC or the Home Office.