如果你仍在比較目的地，可以先使用 ASIDU 留學費用預算計算器建立年度及全課程基準，再把計算器的概算逐項換成目標院校、城市、住宿和個人情況的真實數字。計算器是規劃工具，不是正式報價。If you are comparing destinations, use the ASIDU study budget calculator for an annual and whole-course baseline. Then replace every planning estimate with the real institution, city, housing and personal figure. The calculator is not a quote.
完整留學預算包括哪八類支出？Which eight categories belong in a complete budget?
| 類別Category | 應包括Include | 優先來源Primary source |
|---|---|---|
| 學費與院校費Tuition and institution fees | 學費、註冊、實驗室、工作室、材料、實習與畢業項目。Tuition, registration, laboratory, studio, materials, placements and final projects. | 課程與院校官方費用頁、Offer、學生帳戶。Official programme fee page, offer and student account. |
| 住宿與生活Housing and living | 租金、宿舍、按金、水電、飲食、交通、電話、網絡與日用品。Rent, residence, deposit, utilities, food, transport, phone, internet and essentials. | 院校住宿頁、實際租約、城市官方資料。Institution housing page, actual lease and city sources. |
| 簽證與資金證明Visa and financial evidence | 申請費、生物資料、體檢、翻譯與規定資金。Application charge, biometrics, medical, translation and required funds. | 目的地政府移民部門。Destination immigration authority. |
| 醫療與保險Health and insurance | 強制保險、醫療附加費、藥物、自付額與續保。Mandatory cover, health surcharge, medicine, excess and renewal. | 政府、院校或指定保險制度。Government, institution or required scheme. |
| 申請與錄取Application and offer | 申請、考試、成績單、翻譯、公證、快遞與留位費。Applications, tests, transcripts, translation, certification, courier and deposits. | 院校、平台與考試機構。Institution, platform and test provider. |
| 交通與搬遷Travel and relocation | 機票、行李、機場交通、首批用品與回澳行程。Flights, luggage, airport transport, initial supplies and travel home. | 實際行程及承運人。Actual itinerary and providers. |
| 匯率與付款Currency and payment | 外幣波動、匯款、信用卡費與匯率差價。Currency movement, remittance, card fees and exchange spread. | 實際付款銀行或服務商。Actual bank or payment provider. |
| 緊急預備Emergency reserve | 臨時回程、延遲入住、醫療、額外學期或轉帳延誤。Emergency return, delayed housing, medical, extra term or transfer delay. | 按家庭風險承受能力設定。Set from the family's risk capacity. |
學費不能只看搜尋結果中的平均數Do not budget tuition from a search-result average
正式預算應以目標課程官方費用頁、Offer 或學生帳戶為準。核對它是按學年、學期還是學分收費，國際學生費用會否調整，實驗、作品、實習或延長一學期是否另收費，以及留位費是否抵扣學費。院校未公布下一年度數字時，標示「待更新」，不要自行當作固定。Use the official programme fee page, offer or student account. Check whether charges are annual, per term or per credit; whether international fees rise; whether labs, portfolios, placements or an extra term cost more; and whether the deposit offsets tuition. Mark unpublished future fees as “pending” rather than fixed.
生活費要按城市、住宿與假期計算Model living costs by city, housing and holidays
「英國生活費」或「澳洲生活費」不是單一數字。倫敦與其他城市、市中心與郊區、宿舍與私人合租都不同。還要問寒暑假能否留宿、水電是否包含、交通距離、租期長度與首月安置費。There is no single “UK living cost” or “Australian living cost”. London differs from other cities, centres from suburbs, and halls from private shares. Check vacation housing, utilities, transport distance, lease length and first-month setup.
按金可以退，仍會佔用現金A refundable deposit still consumes cash
每筆留位費、住宿按金和預繳租金都要記錄到期日、是否抵扣、退款條件、退款時間，以及拒簽或未達 Offer 條件時怎樣處理。同一筆抵扣學費的留位費不要計算兩次，但現金流仍要顯示它何時先行支付。Record the due date, offset, refund conditions, refund timing and treatment after a visa refusal or unmet offer condition for every deposit and prepaid rent. Do not count a tuition-offset deposit twice, but show when cash leaves the family.
簽證資金證明與真正預算有甚麼不同？How does visa financial evidence differ from a real budget?
資金證明是政府判斷申請是否符合要求的門檻。它未必涵蓋全部學習和生活成本，也不等於政府建議你只準備這個數字。Financial evidence is an eligibility threshold used by an authority. It may not cover all study and living costs and is not a recommendation to prepare only that amount.
| 目的地Destination | 2026-07-17 官方快照Official snapshot at 17 July 2026 | 預算解讀Budget meaning |
|---|---|---|
| 英國United Kingdom | Student visa 官方頁列出最多九個月的生活資金：倫敦每月 £1,529；倫敦以外每月 £1,171，並另看 CAS 上的課程費用和個人豁免。The Student visa page lists up to nine months of living funds: £1,529 per month in London and £1,171 outside London, plus course fees on the CAS and any case-specific exemption. | 不是十二個月生活費，也不含所有搬遷、按金與緊急成本。Not a 12-month living budget and not all relocation, deposit or emergency cost. |
| 加拿大Canada | 對 2025-09-01 或之後提交、在 Quebec 以外的一人申請，官方頁列出的首年生活資金是 CAN$22,895，未包括學費和交通；超過一年也要說明餘下年期資金。For one applicant outside Quebec applying on or after 1 September 2025, the official first-year living amount is CAN$22,895, excluding tuition and transport; longer programmes also require a plan for later years. | 真正預算仍要加入學費、機票、城市住宿、保險與全期資金。Add tuition, travel, city housing, insurance and the whole-course plan. |
| 澳洲Australia | Student visa 官方頁說明財力要涵蓋旅行、最多十二個月課程費、十二個月生活費及隨行家庭成本；自 2026-07-01 起主申請費由 AUD2,500 起，有限情況適用較低費用。The Student visa page says financial capacity covers travel, up to 12 months of course fees, 12 months of living costs and accompanying family costs. From 1 July 2026, the primary charge starts at AUD2,500, with limited concessions. | 官方也提醒簽證門檻不等於實際生活成本。The official material also warns that the visa threshold is not actual living cost. |
以上數字很容易改變。每個家庭都應同時建立「簽證核對表」與「全課程家庭預算表」，不要把兩者混在一起。These figures can change. Maintain a separate visa-evidence checklist and whole-course family budget rather than treating them as one document.
澳門家庭應用港幣還是澳門元做預算？Should a Macao family budget in HKD or MOP?
選擇最接近家庭收入、儲蓄與日常決策的貨幣作總表基準即可，但每項費用仍要保留原幣。每次換算要記錄：原幣金額 × 實際可成交匯率＋匯款或刷卡費＋銀行差價。搜尋引擎顯示的中間價通常不是最後付款成本。Use the currency closest to family income, savings and decisions as the master view, but retain every cost in its original currency. Record: foreign amount × executable exchange rate + remittance or card fee + bank spread. A search-engine midpoint is rarely the final payment cost.
- 保留 MOP／HKD 基準與目的地原幣兩欄。Keep MOP/HKD and destination-currency columns.
- 把匯率和查詢日期寫入表內，不要只貼最後換算數字。Record the exchange rate and date, not only the converted total.
- 用實際付款渠道重算大額學費和住宿。Recalculate large tuition and housing payments through the actual channel.
- 不要假設聯繫匯率消除了英鎊、歐元、澳元或加元風險。The MOP/HKD link does not remove GBP, EUR, AUD or CAD risk.
為甚麼要建立三種預算情境？Why build three budget scenarios?
院校現行費用、合理住宿和目前可查證要求。Current institution fees, realistic housing and verifiable requirements.
學費調整、外幣變貴、廉價住宿額滿或機票較高。Fee increase, weaker currency, cheaper housing unavailable or higher travel.
臨時回澳、延遲入住、額外一學期或資金轉帳延誤。Emergency return, delayed move-in, extra term or transfer delay.
基準剛好付得起，不代表整條路可持續。Affording the base case by a narrow margin does not make the route sustainable.
為甚麼付款時間和總成本同樣重要？Why does payment timing matter as much as total cost?
家庭可能有能力支付整個課程，卻在入學前同時遇上留位費、第一期學費、住宿按金、簽證、保險、機票和資金證明。預算表必須增加「付款日期」與「由哪個帳戶支付」兩欄。A family may afford the course overall yet face a cluster of deposits, first tuition, housing, visa, insurance, travel and evidence before entry. Add payment date and paying account to the budget.
- 遞交申請前：考試、翻譯、文件和申請費。Before applying: tests, translation, documents and application fees.
- 接受 Offer：留位費、退款條款和獎學金確認。Accepting the offer: deposit, refund terms and scholarship confirmation.
- 辦理簽證：規定資金、申請費、保險或醫療。Visa stage: required funds, application charge, insurance or health cost.
- 出發前：學費、住宿按金、預繳租金、機票和搬遷。Before departure: tuition, housing deposits, prepaid rent, travel and relocation.
- 抵達後：首月安置、交通、教材和生活現金。After arrival: first-month setup, transport, materials and living cash.
- 續讀期間：每期學費、續租、續簽、續保與年度回澳。During study: recurring tuition, housing, visa, insurance and travel home.
獎學金和兼職收入可以算入預算嗎？Can scholarships and part-time work be counted?
只把已獲正式書面確認、金額與年期清楚，且沒有尚待完成條件的資助放入基本預算。其他資助列作「可能減少成本」。美國國務院的 EducationUSA 也提醒家庭及早評估能負擔多少，並指出獎助通常競爭激烈，實際成本應回到每間院校。Include funding in the base case only when it is confirmed in writing, with amount, duration and conditions clear. Treat other awards as potential reductions. EducationUSA also advises families to assess what they can afford early and return to each institution for actual cost and aid.
兼職收入受簽證規則、課堂時間、工作供應和個人能力影響，不應令一個原本負擔不起的計劃突然看似可行。把它放在額外收入情境，而不是完成學業的必要條件。Part-time income depends on visa rules, class time, job supply and the individual. It should not turn an unaffordable plan into an apparently viable one. Keep it as an upside scenario, not a condition for completing the course.
ASIDU 四項核對The four ASIDU checks
接受 Offer 前的預算檢查表Budget checklist before accepting an offer
- 找到目標課程的官方學費表與正常年期。Find the official programme fee and normal course length.
- 選定城市、住宿類型、租期與假期安排。Choose city, housing type, lease length and vacation arrangement.
- 分開簽證資金、保險、申請費、按金與真實生活費。Separate visa funds, insurance, applications, deposits and real living cost.
- 加入機票、行李、搬遷與回澳安排。Add flights, luggage, relocation and travel home.
- 使用實際匯率與付款費，不用搜尋引擎中間價。Use an executable exchange rate and payment fee, not a search midpoint.
- 建立基準、壓力及中斷情境。Build base, stress and interruption scenarios.
- 列出每筆付款日期，且只扣除已書面確認的資助。List every payment date and deduct only written, confirmed funding.
- 保留每個數字的來源與最後核對日期。Retain the source and review date for every figure.
2026/2027 留學預算常見問題Frequently asked questions about 2026/2027 study budgets
留學一年究竟要多少錢？How much does one year abroad cost?
沒有一個適用所有人的年度數字。需要先確定國家、城市、院校、課程、學歷層級、住宿方式與課程年期，再用官方費用和個人生活假設計算。There is no universal annual number. Start with country, city, institution, programme, level, housing and course length, then use official fees and personal assumptions.
簽證要求的最低金額足夠生活嗎？Is the visa minimum enough to live on?
不一定。簽證資金要求是合資格門檻，不是個人生活方式或全課程成本的報價；實際開支可能更高。Not necessarily. A visa financial requirement is an eligibility threshold, not a quote for your lifestyle or whole course. Real costs may be higher.
留學應預留多少緊急金？How much emergency reserve should we keep?
沒有適合所有家庭的固定比例。應按匯率、航程、醫療、住宿合約、收入穩定性與替代資金來源，建立可承受的中斷情境。There is no universal percentage. Model a tolerable interruption scenario from currency, travel, health, housing contract, income stability and alternative funding.
可否把預期兼職收入計入基本預算？Can expected part-time income enter the base budget?
不建議。兼職受簽證規則、課堂時間、工作供應和個人能力影響，不應成為完成學業的必要條件。Not recommended. Work depends on visa rules, study time, job supply and the individual; it should not be necessary to complete the course.
已申請獎學金，可以先從預算扣除嗎？Can an applied-for scholarship be deducted?
尚未獲書面確認的資助不應扣除；已獲資助也要核對金額、年期、續領條件和支付時間。Do not deduct unconfirmed funding. For an awarded scholarship, verify the amount, duration, renewal conditions and payment timing.
ASIDU 預算計算器的數字是正式報價嗎？Is the ASIDU calculator a formal quote?
不是。計算器是初步規劃基準，不代表個別院校、城市或學生的精確費用；正式決定前仍要逐項核對。No. It is an initial planning baseline, not the exact cost of an institution, city or student. Verify every item before a decision.
官方核對來源Official verification sources
以下來源於 2026 年 7 月 17 日核對。簽證、資金、費用與生活成本資料均可能更新。These sources were checked on 17 July 2026. Visa, financial, fee and living-cost information may change.
- 英國政府：Student visa 所需資金 ↗UK Government: money required for a Student visa ↗課程費、生活資金、持有期與豁免；2026-07-17 查證Course fees, living funds, holding period and exemptions; checked 2026-07-17
- 加拿大政府：Study Permit 資金證明 ↗Government of Canada: study-permit financial support ↗首年資金、全期計劃和可接受文件；2026-07-17 查證First-year funds, whole-course plan and evidence; checked 2026-07-17
- 澳洲內政部：Student visa（subclass 500）↗Australian Home Affairs: Student visa subclass 500 ↗申請費、財力範圍和文件清單；2026-07-17 查證Visa charge, financial scope and checklist; checked 2026-07-17
- Study Australia：生活與教育成本 ↗Study Australia: living and education costs ↗簽證門檻與實際生活成本的差別Difference between visa thresholds and actual living costs
- EducationUSA：本科財務規劃 ↗EducationUSA: undergraduate financial planning ↗美國國務院網絡的家庭資金與院校成本規劃US Department of State network guidance on family funding and institution costs
- DAAD：德國留學財務與生活成本 ↗DAAD: finances and living costs in Germany ↗生活、資助、兼職與第一手核對入口Living, funding, part-time work and verification route
相關 ASIDU 指南與工具Related ASIDU guides and tools
把「大概要幾多錢」，變成走得完的家庭方案。Turn “roughly how much?” into a route the family can complete.
帶來目標入學年、國家或課程名單、家庭年度或全期上限，以及最擔心的一項成本。ASIDU 會協助找出漏項、比較路線與整理付款節點。Bring the entry year, destinations or programmes, family annual or whole-course ceiling and the cost you worry about most. ASIDU can identify omissions, compare routes and organise payment timing.
預約留學預算與選校初談Book a budget and shortlist discussion初談用來整理情況與確認合適服務範圍；不構成院校報價、財務意見，亦不保證錄取、獎學金或簽證結果。A first talk organises the situation and suitable service scope; it is not an institution quote or financial advice and does not guarantee admission, funding or a visa.