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Bank Balance Seasoning Calculator
Seasoning rules ask how long a balance has been held, not just how large it is. Enter the balance, the requirement and the holding period to see what is missing and what to add each month.
Seasoning periods, accepted accounts and the evidence required are set by the authority and vary by route. A top-up in the final month may not satisfy a rule that asks for a balance to be held throughout the period.
Holding period versus balance
A seasoning rule has two dimensions: the amount and the time. A balance that reaches the requirement late may fail on time even though the amount is right, and a balance held long enough may fail on amount. The calculator reports both.
Because the top-up is an average, it assumes you start now. Starting later raises the monthly amount needed, and a single large deposit at the end is the pattern seasoning rules are designed to test.
Which accounts count
Some routes count only certain accounts, some exclude investments or pensions, and some require statements stamped by the bank. Joint accounts may count fully, partly or not at all depending on the relationship and the route.
Keep the statements for the whole period, not just the final day. A clean history is easier to evidence than an explanation assembled after a query.
Frequently asked questions
Can I move money in at the last minute?
It may satisfy a balance check but not a seasoning rule. The rule exists to test availability over time, so late deposits can trigger questions.
Do savings accounts count?
Often, but the accepted account types are defined by the route. Check whether the balance must be immediately accessible.
What if the required period is already met?
The months remaining figure is zero. The balance still has to meet the requirement, and the statements still have to cover the whole window.