Cost of living calculator
Estimate whether your current life, a new city, or a move fits your income. Use your own numbers in your own currency. This calculator does not use city averages or make financial guarantees.
Use take-home income after tax and required payroll deductions.
Optional. This is only a label for your estimate.
Use the same currency for every number. The result keeps that same currency.
How to use the calculator
Use one currency
Enter every number in the same currency. The calculator keeps your numbers neutral so it can work for any country.
Compare scenarios
Run the calculator once for your current life, then again for a new city, rent, or moving plan.
Use conservative numbers
Round uncertain costs upward and uncertain income downward before making a move or lease decision.
What numbers to estimate carefully
Housing and upfront costs
Check deposits, agent fees, furnishing, connection fees, moving transport, temporary accommodation, and the first month before pay arrives.
Taxes and take-home pay
Use net income after income tax, social contributions, payroll deductions, and any required local payments.
Health, insurance, and family needs
Medical costs, prescriptions, childcare, school costs, elder care, disability needs, and insurance rules can change affordability quickly.
Transport and daily life
A cheaper rent can become expensive if commuting, parking, fuel, public transport, or lost time rises too much.
A city or lifestyle is easier to afford when rent is manageable, essential costs leave room for savings, and you can handle at least one month of expenses without borrowing.
It becomes risky when rent takes too much income, setup costs wipe out savings, or the budget only works if every month goes perfectly.
What to check before moving
Lease length, deposit rules, notice periods, guarantor needs, and whether rent can rise soon.
Actual commute cost and time at the hours you will travel, not just the distance on a map.
Healthcare access, insurance rules, prescriptions, school costs, childcare, and family support.
Whether income is stable in the new place, especially if pay depends on local demand or remote-work rules.
Temporary housing, furniture, kitchen equipment, utility deposits, documents, fees, and emergency cash.
What you would cut first if rent, food, transport, taxes, or exchange rates change after the move.
Costs vary by place and household
Cost of living can vary sharply by country, city, neighborhood, household size, diet, transport access, health needs, taxes, visa status, and family responsibilities.
This calculator uses only the numbers you enter. It is useful for comparing scenarios, but it cannot replace local research, lease checks, tax checks, or professional advice for complex decisions.
How this estimate is calculated
Monthly costs are grouped into essential and flexible categories
Rent, utilities, groceries, transport, health costs, debt, and family costs are treated as essential. Subscriptions and other costs are treated as flexible review areas.
Money left is income minus all entered monthly costs
The calculator compares monthly net income with total monthly costs, then checks whether the remaining amount can support your target savings.
Moving and emergency buffer checks are separate
Current savings are compared with moving or setup costs, and emergency coverage is estimated by dividing savings by total monthly costs.
Status labels come from budget pressure
A result can look safe, tight, or risky based on negative cash flow, high rent percentage, essential cost pressure, missed savings targets, and low emergency coverage.
Inputs
- $3,200 monthly net income
- $2,550 total monthly costs after rent, food, transport, bills, and debt
- $250 target monthly savings
- $4,000 current savings and $1,800 estimated moving costs
Result and next decision
- $650 left after monthly costs, or $400 after the savings target
- $2,200 savings left after moving costs
- Less than one full month of expenses remains as a buffer after the move
The monthly budget can work, but the move-in buffer is thin. A safer next step may be waiting, reducing setup costs, choosing a cheaper lease, or building savings before moving.
Calculator FAQ
Does this compare city averages?
No. It uses your own numbers because average city lists can miss neighborhood, household, commute, insurance, childcare, and debt differences.
What currency should I use?
Use one currency consistently across every input. The calculator labels the math, but it does not convert currencies.
How should I estimate moving costs?
Include deposits, first month rent, utility setup, furniture, transport, storage, cleaning, documents, and any income gap during the move.
What if the result says tight?
Tight does not always mean impossible. It means the plan leaves limited room for surprises, savings, or one-time costs, so assumptions need a careful review.
Is this financial advice?
No. It is a planning tool. Big moves, leases, loans, and tax decisions may need local professional or official guidance.
Cost of living calculator results are planning estimates based only on the numbers you enter. They are not financial, legal, tax, housing, or professional advice. Read how Earnio calculators work.
What to do next
Moving cost of living checklist
Use the checklist before comparing a new city, move, or lifestyle.
All calculators
Compare this result with the other Earnio.pro calculators.
Budget calculator
Turn these costs into a full monthly budget check.
Emergency fund calculator
Estimate the emergency buffer needed for the essential costs you entered.
Debt payoff calculator
Check whether debt payments are reducing the balance and how long payoff may take.
Rent affordability calculator
Check rent percentage, safe rent ranges, and upfront move-in cash.
Grocery savings calculator
Review food costs if groceries or takeaway are making the budget tight.
Save money
Find practical ways to reduce bills, food costs, transport, and everyday spending.
Make extra income
If the city or lifestyle is not affordable on current income, compare realistic income options.