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Finance

Cost of Living Calculator

Calculate your full monthly cost of living and find where your money goes.

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Result
Monthly total
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Annual total
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Largest expense
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Required income
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About This Cost of Living Calculator

This cost of living calculator adds up your essential monthly expenses — housing, food, transport, utilities and more — so you can see your true cost of living at a glance. It's useful for budgeting, comparing a job offer, or planning a move.

This is general information only. Knowing your monthly cost of living is the foundation of any budget and helps you work out how much you need to earn, save and keep as a buffer.

Frequently Asked Questions

What counts as cost of living?+
Your regular essential expenses: rent or mortgage, food and groceries, transport, utilities, insurance, healthcare and other recurring bills.
How can I lower my cost of living?+
Review your largest categories first — usually housing and transport — compare bills and subscriptions, and cut non-essential recurring costs.
Why does cost of living matter for budgeting?+
It tells you the minimum income you need to cover essentials, which is the starting point for saving and planning.

Related Tools

→ Budget Planner→ Savings Calculator→ Net Salary Calculator

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