The UK welcomes thousands of Indians each year. Here's your financial roadmap for the move.
Initial Costs to Budget
- Visa fees: Varies by type (Skilled Worker, Student, etc.)
- Immigration health surcharge: Required for NHS access
- Flights: £400-800 one-way
- First month: Deposit + rent + basics (£3,000-5,000)
Monthly Living Costs
London
- Rent (1-bed): £1,500-2,500/month
- Council tax: £100-200
- Utilities: £150-200
- Transport (Zone 1-3): £150-200
- Groceries: £250-400
Outside London
Costs drop 30-50%. Manchester, Birmingham, Leeds offer great value.
Tracking in Two Currencies
Set Pocket Clear to:
- Primary: GBP
- Secondary: INR
£50 grocery shop ≈ ₹5,300. Stay connected to what things really cost.
Banking Setup
- Open UK bank account (Monzo, Starling are easy)
- Keep Indian NRE/NRO accounts active
- Use Wise for transfers
Tax Implications
- UK tax year: April 6 - April 5
- PAYE system for employees
- Declare Indian income if applicable
Start Tracking Together
Download Pocket Clear free. Simple expense tracking for couples and expats.