For the London household cost model, use the current GOV.UK Skilled Worker pages for the actual occupation, salary and sponsor case. Record the salary the employer will state, guaranteed hours where relevant, job code and any route-specific treatment. Never use a general salary headline or another employee's approval to declare the application eligible. Compare the application data with the contract character by character. A correct annual total does not cure a different employer, occupation, work location or start date. Ask who corrects an error and preserve the revised official record. Leave an unanswered field open rather than selecting the interpretation most favourable to mobilisation.

Use the written gross amount and current official Income Tax and National Insurance inputs, then reconcile the result with payroll. Keep pension, benefits and individual tax-code effects visible. Never present the planning result as an individual tax calculation or guaranteed take-home pay.

For the London household cost model, compare employer, sponsor, occupation, salary, hours, location and start date across offer, contract and Certificate details. Ask the employer to explain every difference before acceptance. Never treat a higher package total as curing a fixed-salary or job-code issue in the immigration record. Record which visa-related fees, immigration health amounts and family applications the employer funds. Separate document support from payment. A statement that the company will assist can mean only that it supplies a letter. Obtain the policy and approval route before giving the support a cash value.

Place salary, allowances, temporary accommodation, tenancy payments, school invoices and family travel on their actual dates. Keep a later reimbursement outside accessible cash. A positive annual package can still fail during arrival if the household must fund large commitments before payroll.

For the London household cost model, record council tax band and liable party, electricity, gas where used, water, internet, parking, service inclusions and contents insurance. Confirm account holder, deposit, tariff and first bill. The phrase bills included needs a written list and any consumption cap. Start with labelled assumptions only where no quote or bill exists. Replace them after three ordinary months and keep winter heating variation visible. Never present one mild-month bill or a previous tenant's usage as the annual cost for a different household.

Enter the exact rent, council charge, services, utilities, insurance and travel consequence of the shortlisted home. Keep deposit, holding payment, advance rent and moving costs in the arrival ledger. Never spread refundable money through the monthly result when testing initial funding.

For the London household cost model, southbank publishes term fees with current VAT presentation and first-year setup amounts. The American School in London publishes annual tuition inclusive of VAT, a non-refundable tuition deposit, capital fee, bus price and semester dates. ACS Hillingdon lists annual grade fees inclusive of VAT. Use only the actual child's row. Build separate lines for tuition, application, assessment, deposit, enrolment, capital charge, transport, meals, uniform, device, books, trips, examinations and learning support. Mark refund status and due date. Never use the lowest early-years figure as a London family estimate.

Select the actual 2026-2027 grade row and list tuition, application, deposit, capital, transport and support separately. Match employer education support by covered item and payment date. Never use the lowest published fee as a London family allowance or assume admission.

For the London household cost model, obtain insurer, plan, beneficiary list, effective date, provider network, excess, co-payment, outpatient, diagnostics, hospital, mental-health and claims rules. An insurer name has little planning value without the category. Confirm whether family members have the same cover as the employee. Check maternity, newborn, chronic condition, medicines, dental, optical, physiotherapy and treatment outside the network. Record waiting and pre-authorisation where stated. Never infer cover from a manager's benefits summary or a colleague's different plan.

Record any premium paid by the household, stated excess or co-payment, known medicines and a labelled reserve. Keep NHS access, immigration payments and private insurance separate. The result cannot decide charging, insurer approval, clinical need or future treatment cost.

For the London household cost model, for every shortlisted home, calculate door-to-door minutes and transfers for the employee and household. Include school or childcare journeys and the return trip. A lower rent can be consumed by added fares, care time or unreliable late travel. Run a weekly scenario with the actual office and site days. Avoid multiplying one peak fare by a standard month where the working pattern differs. Show remote days, weekend duties and occasional long-distance travel as separate assumptions.

Use exact origins, destinations, working times and payment media with current TfL information. Include project sites, school trips and lawful late alternatives. Keep reimbursable business travel separate and never assume every rail, airport or river journey is covered by a TfL cap.

For the London household cost model, for each transfer, capture source currency, sterling received, exchange rate, transfer charge, correspondent deduction and date. Compare providers using the amount delivered, not an advertised rate alone. In the London household budget record, a cheaper headline can produce a lower receipt after fees or timing changes. For the London household budget check, use only regulated routes accepted by the bank and preserve source-of-funds records. When reviewing London household budget, ask the bank what it needs before moving a deposit-sized amount. Before relying on the London household budget result, never fragment transactions to avoid a check; explain the genuine source and purpose with supporting records.

For money moved into sterling, record source amount, quoted rate, provider charge, deductions and amount credited. Use a dated scenario for future transfers, not a promise. Keep overseas debt and family support in their source currencies until the actual conversion is known.

For the London household cost model, at day 30, reconcile salary, rent, deposit, temporary lodging, travel, food, school, health, utilities and setup purchases. Keep refunds and employer reimbursements as separate credits. Replace each planning amount with an actual or a clearly dated continuing assumption. Investigate the largest differences using invoices and statements. Decide whether each is one-off, recurring or timing-related. Never smooth a setup expense into a monthly average unless the decision genuinely calls for that treatment.

At day 30, reconcile salary, temporary accommodation, tenancy, travel, school, health, utilities and setup payments. Classify each difference as one-off, recurring or timing-related. Preserve both the original plan and paid case so the household can identify what changed.

For the London household cost model, list cash, final salary, expense credits, tenancy deposit, school refunds and utility balances with expected dates. List rent, travel, shipment, tax advice, final bills and destination setup separately. Never net a future credit against a payment due earlier. Keep the account open only where its terms allow the new address and outstanding items require it. Update tax residence and contact details through the bank. Test the destination transfer with a small test amount and preserve the delivered result.

List final rent, inspection, utilities, school, shipment, travel and destination setup beside final salary and future refunds. Never net amounts due on different dates. A workable ordinary month does not prove that early project termination or planned departure is funded.

Maintain two ledgers. The ordinary month covers rent, council charges, utilities, communications, groceries, transport, school, health and personal spending. Arrival cash covers temporary accommodation, holding money, deposit, advance rent, moving, furniture, school entry, immigration payments and the period before the first correct salary credit. Never annualise every setup payment and then mistake the monthly equivalent for cash available on the due date.

Classify each line as contract, official rule, invoice, quotation, paid amount or household assumption. Record the source and date. Keep refundable money funded but outside ordinary cost, and keep a pending employer reimbursement outside available cash. The calculator below models recurring monthly cost only; it must be read with the arrival calendar and the lowest projected bank balance.

Create a repeat basket for the household's normal groceries, cleaning products and toiletries at shops it can reach from the proposed home. Keep meals out, delivery, alcohol and first pantry setup separate. Track at least six ordinary weeks after arrival and replace the planning input with the paid pattern. Never multiply one adult's figure mechanically for children, visitors or specialist diets.

List home internet, each mobile line, device finance and subscriptions with installation, introductory period, full payment and cancellation terms. Keep temporary roaming and overseas-card costs in arrival funding. Review the first two statements for small recurring charges and duplicated services rather than burying them in a general personal allowance.

Before acceptance, use written package income, current official payroll inputs and clearly labelled housing, school and travel assumptions. Before signing a tenancy or accepting a school place, replace those lines with the proposed agreement, published fee and actual route. After the first month, substitute paid costs and payroll. Preserve each version with its source dates instead of overwriting the earlier decision.

Run an ordinary case and a supported stress that reflects the household's records, such as delayed reimbursement, temporary family separation, a site change or early tenancy exit. Never insert an arbitrary contingency percentage and call it factual. List the specific exposed payments, their dates and the cash needed before later credits arrive.

For every line, show expected, invoiced, paid and reimbursed values where they apply. A second authorised adult should be able to reproduce the result from the source index. Leave an amount blank rather than importing one from another household, school, property or construction assignment. A zero must mean the cost does not apply, not that it was forgotten.

Review the calculation after a salary, tax code, home, school, project site, insurer, fare or exchange-rate change. The remaining amount is a planning output, not an affordability certificate or recommendation. It does not determine tax liability, immigration rights, tenancy obligations, school suitability, medical need or the safety of a financial product.