Expat Cost of Living & Salary Calculator (PPP)

Compare Expat Net Salary & Cost of Living (PPP) by City and Country

Use this expat cost of living & salary calculator to estimate net salary after tax, PPP-adjusted income, and realistic monthly expenses before you relocate. Compare cities and countries, include housing, healthcare, childcare, transport, plus family size and visa costs. PPP shows how far your take-home pay actually goes, helping you balance taxes, cost of living and quality of life.

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What you can compare

Net salary after tax • Cost of living baskets • Housing & utilities • Healthcare & childcare • Commuting & transport • Visa and relocation fees • PPP-adjusted results.

Why PPP matters

PPP (purchasing power parity) normalizes prices between locations so you see the real value of your income when choosing where to live.

Input data

Profile & currency

Country

City

Base currency

Conversion rate

Income

Salary gross (month)

Salary gross (year)

Bonus (%)

RSU/Options (year)

Taxes & contributions

Don't know parameters (auto)

Income tax effective rate (%)

Employee social contributions (%)

Additional taxes (municipal, etc.)

Living expenses (month)

Rent (1–2 bedroom)

Utilities

Internet + mobile

Transport

Groceries

Healthcare / insurance

Childcare / school (per child)

Other

Family

Adults

Children

Visa & permits

One-time fees

Annual fees

PPP (Purchasing Power)

PPP coefficient

1.0 = baseline, >1 = pricier, <1 = cheaper

Scenarios

Taxes ± (pp)

Expenses ± (%)

Bonus multiplier

City comparison

Up to 3 cities

Export data

Save current parameters and results.

Methodology

Core formulas

1. Net income

net = gross × (1 − tax_rate − social_rate) + bonus_after_tax + RSU_after_tax
            − additional_tax

tax_rate and social_rate in fractions (e.g. 28% → 0.28)

2. Monthly leftover

leftover_month = net_month − (rent + utilities + internet + transport
            + groceries + healthcare + childcare × children + other)

3. PPP-adjusted net

net_PPP = net_year / PPP_coefficient

PPP shows real purchasing power. 1.0 = base; >1 means higher prices; <1 means cheaper.

4. Yearly savings

savings_year = leftover_month × 12 − visa_annual − visa_once (first year)

FAQ

Why do my taxes differ?

The calculator uses a simplified model with an effective tax rate. Real taxation depends on many factors: tax classes, deductions, family status, region. Use local tax calculators or consult a specialist.

How to estimate the PPP coefficient?

You can check PPP using sources like Numbeo, Expatistan or OECD. Quick rule of thumb: compare a typical basket to your baseline city. If life is 20% more expensive → PPP = 1.2; if 30% cheaper → PPP = 0.7.

How to account for kids' expenses?

Set the number of children in “Family” and the monthly cost per child in “Living expenses”. The calculator multiplies it by the number of children. You might also adjust groceries, rent and other items.

What are scenarios and how to use them?

Scenarios help assess financial resilience under different conditions. Conservative — higher taxes, higher expenses, no bonus. Base — your current inputs. Optimistic — lower taxes, lower expenses, bigger bonus. This shows a reasonable range.