Cost of Living Calculator for Abroad Students
Select your country, city, and lifestyle to instantly calculate monthly living expenses and your recommended education loan amount. Updated for 2026.
Calculate your monthly living costs abroad
Choose Country
Lifestyle
Budget: Shared accommodation, cook at home, public transport.
Moderate: Studio or shared flat, mix of eating out, public transport.
Comfortable: Private studio, regular dining out, occasional cab.
Programme Duration
Display Currency
Exchange rates updated June 2026.
Monthly Expense Breakdown
* Estimates based on average student costs. Actual costs vary by lifestyle and location.
Spending Split
Recommended Loan Estimate
How to reduce your cost of living abroad
Choose off-campus housing
On-campus housing can cost 20–40% more than off-campus shared apartments. Renting with 2–3 flatmates cuts accommodation costs by half.
Cook at home
Eating out 5 times a week can add ₹15,000–25,000/month. Cooking at home reduces food costs by 60–70% and significantly lowers your overall monthly budget.
Use public transport
Monthly transit passes cost 70–80% less than taxis/Uber. Most student cities have excellent public transport and student discount cards.
Work part-time
Most countries allow students to work 20 hours/week. At minimum wage, this generates ₹30,000–60,000/month — enough to cover most living expenses.
Use student discounts
Student ID cards unlock discounts on transport, software, food, entertainment, and shopping. Apps like UNiDAYS, Student Beans save 10–30% on everyday purchases.
Zero-fee international card
Using a zero-forex fee debit/credit card (Niyo, IndusInd, HDFC Regalia) eliminates the 2–3% currency conversion fee on every transaction — saving thousands annually.
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