ILR application Set M 5 year dependent route financial requirement confusion

[Sams89]

Hi,
I’m on depend visa currently expiring on 25 Jan 2026 first entry in uk on dependent spouse visa was 8 Oct 2020 got extension on 17 July 2023 now going to apply for ILR on 5 year route all other requirements are fulfilled only issue having is financial requirement basically my question is regarding financial requirements I’ll explain my situation,
I’m doing my self employment since 2022 with some employments on and off last year tax return is £15673 year before £14543 so I can’t fulfil category g and f so now about my this year employment I left my job in Jan 2025 because of some family issues can’t commit to that job at that time I have two payments in Jan of £429 then I got holiday pay in march £789 then I couldn’t find job till July 2025 then I started working part time earning £850 per month since July 2025 till now continues and will get paid in Jan too which means 7 payments of £850 and I have got second job in Nov 2025 with contracted £846 monthly but I havre earned £2415 with overtime in Nov 2025 and hoping to get around £1000 at end of dec 2025. Also my wife got job in June 2025 earning £781.44 monthly till dec her last pay was on 5 dec and employer already gave her p45 which means she received 7 payments of £781.44 so as my and my wife employment not continues for 6 month at time of application can’t got for category A for category B need to show currently earning £18600 which is fulfil as I’m working on two jobs where earning £850 from one and £846 on second as per contract which become £20352 yearly but do part one do category B not fulfilling as if I calculated from Jan 2025 all of my earning 429+429+789+ (850*7) + 2415+1000 =11,012. And if count my earning too which was 781.44*7=5,470.08+11012 =16,482.08 so I’m short of £2117.92. It can be fulfil as my wife got new job with salary of around £2500 monthly but as it’s a big jump from 781.44 to 2500 will this create any different and refusal and do I have any other way to apply for ILr by Fulfilling financial requirement. Plz answer me I’m scared and confused what to do plz help thanks. Sorry for the long post.

[zimba]

You need to show that you meet the requirement in two parts under category B. The problem is, if you want to combine your incomes, it needs to happen under one of those categories. You cannot combine your income under category B with income under category A. You and your wife can combine your salaries under category A or B only

Where the applicant wishes to rely on their own employment income (where they are
in the UK with permission to work) as well as that of their partner, the employment
and non-employment income of both parties must be calculated under Category A or
Category B; those categories cannot be used in combination.

Guide: https://assets.publishing.service.gov.u ... rement.pdf