Last update: Oct 2026

Cost of Living Comparison Between Finland and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,348 a month against $1,950 in Finland, rent and utilities included – about $7,200 less a year. Other living expenses account for most of the difference.

94

Cost of Living Index in Finland
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Finland Living Index
66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index

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🇫🇮 Finland

$1,950

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

😐 Solo nomad: Finland is 109% more expensive than Ubud, Bali without rent, and 44.7% more expensive with rent.

😐 Family of 3: Finland is 94.2% more expensive than Ubud, Bali without rent, and 24.4% more expensive with rent.

Meal at Budget Restaurant

$16.64 €14.85

$3.33 Rp 59.6K

399.70%

Three-Course Dinner for Two, Mid-Range

$89.9 €80.2

$35.42 Rp 633.1K

153.78%

Fast Food Meal (McDonalds, etc)

$12.54 €11.19

$5.76 Rp 102.9K

117.71%

Cappuccino

$5.02 €4.48

$2.63 Rp 47.0K

90.87%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$3.01 €2.69

$1.74 Rp 31.0K

72.99%

Water (0.33 liter bottle)

$2.32 €2.07

$0.77 Rp 13.8K

201.30%

Local Beer (0.5 liter draught)

$8.21 €7.33

$2.71 Rp 48.4K

202.95%

Imported Beer (0.33 liter bottle)

$9.08 €8.10

$4.52 Rp 80.8K

100.88%

Milk (1 liter)

$1.34 €1.20

$1.53 Rp 27.4K

-12.42%

White Bread (500g)

$2.70 €2.41

$2.20 Rp 39.2K

22.73%

Rice (white) (1kg)

$2.60 €2.32

$1.22 Rp 21.8K

113.11%

Eggs

$3.51 €3.13

$2.14 Rp 38.2K

64.02%

Local Cheese (1kg)

$8.99 €8.02

$17.73 Rp 316.9K

-49.29%

Chicken Fillets (1kg)

$13.68 €12.21

$3.86 Rp 68.9K

254.40%

Beef Round Steak (1kg)

$22.67 €20.23

$12.03 Rp 215.0K

88.45%

Apples (1kg)

$2.60 €2.32

$3.61 Rp 64.5K

-27.98%

Banana (1kg)

$2.18 €1.94

$1.51 Rp 27.1K

44.37%

Oranges (1kg)

$2.46 €2.19

$2.32 Rp 41.4K

6.03%

Tomato (1kg)

$4.24 €3.79

$2.00 Rp 35.8K

112.00%

Potato (1kg)

$1.30 €1.16

$1.81 Rp 32.4K

-28.18%

Onion (1kg)

$1.70 €1.52

$2.39 Rp 42.7K

-28.87%

Lettuce (1 head)

$2.14 €1.91

$0.99 Rp 17.8K

116.16%

Water (1.5 liter bottle)

$1.91 €1.71

$0.52 Rp 9,373

267.31%

Cigarettes 20 Pack (Marlboro, Camel)

$12.99 €11.59

$2.18 Rp 39.0K

495.87%

Wine (Bottle)

$14.31 €12.77

$22.98 Rp 410.7K

-37.73%

Local Beer (0.5 liter bottle)

$3.46 €3.08

$2.40 Rp 42.8K

44.17%

Imported Beer (0.33 liter bottle)

$3.47 €3.10

$3.00 Rp 53.6K

15.67%

One-way Ticket (Public Transport)

$3.49 €3.12

$0.24 Rp 4,255

1354.17%

Public Transport Monthly Pass (Regular Price)

$70.9 €63.3

$6.99 Rp 125.0K

914.88%

Taxi Start (Normal Tariff)

$9.08 €8.10

$0.44 Rp 7,876

1963.64%

Taxi (Normal Tariff) (1km)

$1.33 €1.19

$0.42 Rp 7,582

216.67%

Taxi 1hour Waiting (Normal Tariff)

$67.2 €60.0

$5.45 Rp 97.4K

1132.66%

Gasoline (1 liter)

$2.31 €2.06

$0.84 Rp 15.1K

175.00%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$37.0K €33.0K

$24.3K Rp 434.8M

51.93%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$37.6K €33.6K

$31.9K Rp 570.0M

18.04%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$144 €129

$80.8 Rp 1.4M

78.76%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$28.07 €25.05

$6.58 Rp 117.6K

326.60%

Internet (50+ Mbps, Unlimited Data)

$25.45 €22.72

$18.24 Rp 326.1K

39.53%

Gym Membership (Monthly)

$44.85 €40.03

$55.1 Rp 985.4K

-18.65%

Tennis Court (1 Hour on Weekend)

$29.57 €26.38

$18.51 Rp 330.9K

59.75%

Cinema Ticket

$18.07 €16.12

$4.24 Rp 75.9K

326.18%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$383 €342

$486 Rp 8.7M

-21.17%

International Primary School, 1 Child (Yearly)

$12.9K €11.5K

$5,676 Rp 101.5M

127.89%

Jeans (Levis 501 Or Similar)

$99.2 €88.5

$45.18 Rp 807.6K

119.48%

Summer Dress (H&M, Zara, etc)

$41.52 €37.05

$34.57 Rp 617.9K

20.10%

Sport Shoes (Adidas, Nike)

$100 €89.4

$79.2 Rp 1.4M

26.52%

Men's Leather Business Shoes

$147 €131

$77.6 Rp 1.4M

89.80%

1-bedroom Apartment, City Center (Monthly)

$860 €768

$1,127 Rp 20.1M

-23.66%

1-bedroom Apartment, Outside City Center (Monthly)

$700 €625

$674 Rp 12.1M

3.83%

3-bedroom Apartment, City Center (Monthly)

$1,556 €1,389

$3,618 Rp 64.7M

-56.99%

3-bedroom Apartment, Outside City Center (Monthly)

$1,212 €1,081

$1,735 Rp 31.0M

-30.15%

Buy Apartment in City Center (m2)

$4,973 €4,438

$2,829 Rp 50.6M

75.78%

Buy Apartment Outside City Center (m2)

$2,956 €2,638

$2,307 Rp 41.2M

28.14%

Average Monthly Net Salary (After Tax)

$3,028 €2,703

$166 Rp 3.0M

1727.87%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.88

13.78

-71.84%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Finland: October 5, 2026

Last update for Ubud, Bali: October 5, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Finland

$700 36%

Ubud, Bali

$674 49.6% 3.7% $26

Groceries & Markets

Finland

$377 19.4%

Ubud, Bali

$290 21.4% 23.1% $87

Eating Out

Finland

$312 16%

Ubud, Bali

$108 8% 65.3% $204

Monthly Utilities & Internet

Finland

$198 10.2%

Ubud, Bali

$106 7.8% 46.6% $92

Clothing & Footwear

Finland

$175 9%

Ubud, Bali

$106 7.8% 39.1% $68

Getting Around

Finland

$101 5.2%

Ubud, Bali

$11 0.8% 89.6% $90

Sport & Entertainment

Finland

$81 4.2%

Ubud, Bali

$64 4.7% 21.4% $17

Good to know

🇫🇮 Finland

🇮🇩 Ubud, Bali

🕒 Local time

06:36 6:36 AM

11:36 11:36 AM

5 h ahead of Finland

🌤 Weather

👥 Population

5,608,218

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 EUR

Exchange rates and currency converter

IDR, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 10, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of October 10, 2026: 1 USD = 17,875 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,048 IDR (100,000 IDR = 4.99 EUR).

USD to EUR in detail →

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