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title: "How to plan a study-abroad budget | Arman Education"
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Costs and scholarships

# **How to plan a study-abroad budget**

Total cost is more than tuition. Separate one-off and recurring items to build a realistic budget.

5 min read · Updated: 2026-10-23

## One-off items

- Language test and application fees
- Document translation, notary and apostille
- Visa/residence permit and biometrics fees
- Deposit and first-term enrolment fees
- Flights and initial set-up

## Monthly/annual items

- Tuition or semester contribution
- Accommodation and utilities
- Food, transport, phone
- Health insurance
- Course materials

## Calculation

Total budget = one-off items + (monthly living cost × number of months) + annual tuition × number of years. Add a margin for exchange-rate risk and price increases for each year.

## Proof of funds

Many countries require you to show a certain monthly amount for the visa (blocked account, bank statement, scholarship letter, etc.). Amounts and accepted methods differ by country; verify the current value on the official page.

This guide is general information. Dates, fees and requirements can change; verify official sources before applying.

## **Let us plan the right path for your goals**

In a free initial consultation we review your profile, budget and goals, and narrow down the countries and universities that fit you.

[**Free consultation**](https://armaneducation.com/en/contact) [**How we work**](https://armaneducation.com/en/how-it-works)

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