Cost of living in Europe
A salary that sounds huge in rupees can feel tight in Amsterdam or Paris. Compare offers on what is left after tax and rent.
Gross, net and what is left
European salaries are quoted gross, before income tax and social security contributions. Depending on the country, salary and family situation, take-home pay can be anywhere from about 50% to 75% of gross. Use the official net salary calculator of the destination country, or ask the employer for a net estimate.
Then subtract the big fixed costs: rent, utilities, transport, health insurance (where not covered by contributions) and childcare.
The biggest variable: rent
Rent is usually the largest expense, and it varies more between cities than between countries. Capital cities and tech hubs (Amsterdam, Paris, Munich, Copenhagen, Stockholm, Lisbon) are expensive. Second cities in the same country can be 30–50% cheaper.
How cities compare, roughly
| Level | Examples |
|---|---|
| Very high | Amsterdam, Paris, Munich, Copenhagen |
| High | Frankfurt, Stockholm, Brussels, Vienna, Hamburg, Lisbon |
| Moderate | Lyon, Rotterdam, Leipzig, Madrid, Milan, Barcelona |
| Lower | Most of Poland, Portugal outside Lisbon, Southern Italy, Spain outside major cities |
These are broad bands. Always check current listings in the specific neighbourhood.
Comparing two offers
- Convert both salaries to net monthly pay using official calculators.
- Subtract a realistic rent for a place you would actually live.
- Add the value of benefits: meal vouchers, transport passes, pension, a 13th month, relocation help.
- Consider the long-term route: permanent residence timelines, spouse work rights, language.
A first-year buffer
Plan to arrive with savings covering:
- a rental deposit (often two to three months' rent)
- the first month's rent
- two months of living costs
- furniture and basics if the flat is unfurnished
