Chapter 01
What the calculator shows (and what it won't)
The calculator only does maths on official figures. It never invents a "recommended" balance for countries that don't publish one, because a made-up number could push you to inflate your account, which harms your application.
For each result you see:
- the official minimum (in the official currency, with an approximate PKR conversion);
- the source and the date we last checked it;
- a reminder that the minimum covers daily costs only, so your balance should also cover flights and hotel;
- the principles every officer applies: funds that match your income and built up normally.
Chapter 02
Inputs
| # | Input | Type | Values / validation |
|---|---|---|---|
| 1 | Destination | Dropdown | Our 18 countries. "Schengen" opens a second dropdown: France, Germany, Italy, Spain, Netherlands, Belgium, Switzerland, Austria, Greece, Portugal, Sweden, Denmark, Norway, Finland, Hungary, Czechia, Poland |
| 2 | Number of days | Number | 1–90 (Schengen max 90 days in 180); show "Most visit visas allow short stays only" above 90 |
| 3 | Number of travellers | Two numbers | Adults (1–9); children under 12 (0–9) |
| 4 | Is your accommodation booked or arranged? | Radio | Hotel booked / Staying with a host (invitation) / Not yet |
Chapter 03
How the calculator works out your figure
Rule set A: Schengen countries (official EU reference amounts, dated 8 June 2026)
| Country | Formula (per adult unless stated) |
|---|---|
| France | Hotel booked: EUR 65 × days. Host: EUR 32.50 × days. Not yet: EUR 120 × days |
| Germany | EUR 45 × days (guide amount; Germany sets no mandatory figure, so label "guide") |
| Italy | 1–5 days: EUR 269.60 total. 6–10 days: EUR 44.93 × days. 11–20 days: EUR 51.64 + EUR 36.67 × days. Over 20 days: EUR 206.58 + EUR 27.89 × days. For 2+ travellers use the group rates in the source table |
| Spain | max(EUR 122.10 × days, EUR 1,098.90) |
| Netherlands | EUR 55 × days |
| Belgium | Hotel: EUR 95 × days. Host: EUR 45 × days. Not yet: EUR 95 × days |
| Switzerland | CHF 100 × days |
| Austria | No figure: show principles panel |
| Greece | max(EUR 50 × days, EUR 300); minors half |
| Portugal | EUR 75 + EUR 40 × days |
| Sweden | SEK 700 × days |
| Denmark | DKK 350 × days |
| Norway | Hotel or host: NOK 300 × days. Not yet: NOK 1,300 × days (NOK 1,000 each if 2+ travellers) |
| Finland | EUR 50 × days |
| Hungary | EUR 40 × days |
| Czechia | Up to 30 days: CZK 1,565 × days; minors half |
| Poland | Up to 4 days: PLN 300. More than 4 days: PLN 75 × days |
Total = per-adult amount × adults + child amount × children (child amount = adult amount unless the source sets a lower rate).
Rule set B: other countries with an official figure
| Destination | Formula | Label |
|---|---|---|
| Thailand | e-Visa: at least THB 20,000 per application. At entry: THB 20,000 per person, or THB 40,000 per family; children under 12 exempt | Official figure (two rules shown separately) |
| Indonesia | At least USD 2,000 | Official figure (per applicant) |
| Dubai / UAE | EUR 2,000 example (FIA, Pakistan) | "FIA example, not a UAE rule" |
Rule set C: no official figure UK, USA, Canada, Australia, Hong Kong, Japan, Malaysia, Türkiye, Singapore, Saudi Arabia, China, Azerbaijan, Sri Lanka, Uzbekistan → show the "No official minimum" panel (copy below). No number is shown.
Chapter 04
Result copy
When an official figure exists
Official minimum for [Country]: [Amount] [Currency] (≈ [PKR conversion]) For [Adults] adult(s) and [Children] child(ren), [Days] days, accommodation: [booked / host / not yet].
Source: [Authority], checked [date]. [Link]
What this means: this is the minimum the authorities use as a reference for living costs. It does not include your flights or hotel. Your bank statement should cover the whole trip comfortably, and the balance should fit your income.
Next: read how much bank balance you need for the documents to submit, or check your whole file with the eligibility checker.
When there is no official figure
[Country] does not publish a minimum bank balance for visitors.
Officers look at whether your money is credible, not whether it hits a number:
- Does your balance fit your salary or business income?
- Did it build up over months, or arrive just before you applied?
- Can you pay for flights, hotel and daily costs without strain?
- Does your tax return support your income?
A smaller balance that makes sense is stronger than a large one you cannot explain. Never borrow money to show in your account.
Source for this country's wording: [link where available, e.g. UK Home Office "There is no set level of funds required."]
Dubai / UAE
The UAE does not publish a minimum. Pakistan's FIA, which checks visit-visa travellers at departure, gives the example of at least EUR 2,000 for Dubai and accepts a credit card limit (FIA FAQ). Carry a bank statement and a card in your name. Read the FIA airport checklist.
Chapter 05
Why we only use official figures
Search "bank statement for [country] visa" and you will find many different PKR amounts from agents and news sites. Most are not rules. They are estimates, and they change from site to site. If the authority has not published a figure, we would rather tell you that than guess.
Where official figures exist, they come from:
- Schengen: the European Commission's list of reference amounts set by each member state (Annex 25, dated 8 June 2026).
- Thailand: the Thai e-Visa portal and the Tourism Authority of Thailand (6 July 2026).
- Indonesia: the Indonesian e-Visa FAQ.
- Dubai: Pakistan's FIA FAQ (an example, not a UAE rule).
For the UK, the Home Office's Visit guidance (8 October 2026) says "There is no set level of funds required"; Canada's IRCC asks for enough to cover all reasonable expenses.
Chapter 06
Frequently asked questions
Is the calculator's figure the amount the embassy requires?
Only where the calculator says 'official figure'. For Schengen countries, Thailand and Indonesia it uses the amounts published by the authorities. For other countries no official minimum exists, and the calculator explains what the authority looks for instead.
Why does the calculator not give a figure for the UK, Canada or USA?
Because those countries do not publish one. The UK Home Office's guidance says there is no set level of funds required. Giving a made-up number would be misleading, so the calculator shows the principles officers use instead.
Does the calculator include flights and hotel?
The official reference amounts cover daily living costs. The calculator asks whether your hotel is booked because some countries, such as France and Norway, set a lower daily amount when accommodation is proven. Your balance should cover flights and hotel on top.
Are the PKR amounts exact?
No. PKR amounts are approximate conversions of the official foreign-currency figure, updated from our exchange-rate data. Embassies assess the foreign-currency amount.
Chapter 07
How Visit Visa Specialists helps
A number is only part of the picture. We review your bank statement, maintenance letter and income documents together and tell you whether they tell one consistent story. File review: Quote on WhatsApp, separate from official visa fees. We never arrange or lend funds.
Every fact, checkedSources+
- European Commission, Practical Handbook Annex 25: Schengen reference amounts by country (dated 8 Jun 2026) (home-affairs.ec.europa.eu, checked 13 October 2026)
- Thai e-Visa: financial evidence no less than THB 20,000 (thaievisa.go.th, checked 13 October 2026)
- Tourism Authority of Thailand, 6 Jul 2026: THB 20,000 per person / THB 40,000 per family at entry; children under 12 exempt (tatnews.org, checked 13 October 2026)
- Indonesia e-Visa FAQ: at least USD 2,000 financial proof (60-day visit visa) (evisa.imigrasi.go.id, checked 13 October 2026)
- FIA FAQ: at least EUR 2,000 for Dubai as an example of sufficient funds (fia.gov.pk, checked 13 October 2026)
- UK Home Office Visit guidance v18.0 (8 Oct 2026): no set level of funds required (assets.publishing.service.gov.uk, checked 13 October 2026)
- IRCC: funds to cover all reasonable expenses; no set figure (canada.ca, checked 13 October 2026)
We are an independent private agency, not affiliated with any government. Visa decisions are made solely by the relevant authority.
