This is where most spouse visa applications are won or lost. The sponsor must show a gross annual income of at least £29,000, under paragraph E-LTRP.3.1(a) of Appendix FM. That figure replaced the old £18,600 threshold on 11 April 2024. Check the current figure on GOV.UK before you rely on it — the thresholds have moved twice in recent years.
Two things about that rule are routinely misunderstood, and both cost people their applications.
First, cash savings aren’t a flat number. The rule is a formula: £16,000, plus two and a half times the shortfall between your income and the threshold. If the sponsor has no qualifying income at all, that works out at £88,500. But if the sponsor earns £20,000, the shortfall is £9,000 — so the savings needed are £16,000 plus £22,500, which is £38,500, not £88,500. Savings normally have to be held for at least six months and be under your control.
Second, if your application runs on the pre-April-2024 basis, the transitional threshold is £18,600 plus £3,800 for the first child and £2,400 for each additional child — capped at £29,000. New applications no longer carry a child uplift, but the transitional route hasn’t disappeared. We regularly see couples talked out of applying because someone told them it had.
Income can come from salaried or non-salaried employment, self-employment, pension income, non-employment income such as rent or dividends, cash savings, or a combination. Each route has its own specified evidence under Appendix FM-SE, and that’s the part that catches people out: the evidence rules are mandatory, not advisory. The right figure proved the wrong way still gets refused.