Last update: Oct 2026

Cost of Living Comparison Between Kaluga and Ubud, Bali

For one person, living is cheaper in Kaluga: $1,021 a month against $1,331 in Ubud, Bali, rent and utilities included – about $3,700 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

49

Cost of Living Index in Kaluga
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Kaluga Living Index
64

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

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Kaluga

🇷🇺 Russia

$1,021

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

How much you'll spend in Kaluga and in Ubud, Bali

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Kaluga and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,021 in Kaluga versus $1,331 in Ubud, Bali.

Kaluga $1,021
Ubud, Bali $1,331

Estimated couple costs with rent: $1,594 in Kaluga versus $2,255 in Ubud, Bali.

Kaluga $1,594
Ubud, Bali $2,255

Monthly costs for a family of three with rent: $2,168 in Kaluga versus $3,180 in Ubud, Bali.

Kaluga $2,168
Ubud, Bali $3,180

Living in Kaluga costs roughly 23% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Kaluga 25% lower, Ubud, Bali 2% lower.

Meal at Budget Restaurant

$10.25 ₽840

$3.38 Rp 61.3K

203.25%

Three-Course Dinner for Two, Mid-Range

$37.27 ₽3,055

$34.65 Rp 629.1K

7.56%

Fast Food Meal (McDonalds, etc)

$4.96 ₽407

$5.57 Rp 101.2K

-10.95%

Cappuccino

$2.62 ₽215

$2.62 Rp 47.6K

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

$0.92 ₽75.3

$1.54 Rp 27.9K

-40.26%

Water (0.33 liter bottle)

$0.58 ₽47.85

$0.64 Rp 11.6K

-9.38%

Local Beer (0.5 liter draught)

$1.44 ₽118

$2.67 Rp 48.4K

-46.07%

Imported Beer (0.33 liter bottle)

$1.82 ₽149

$4.26 Rp 77.4K

-57.28%

Milk (1 liter)

$1.26 ₽103

$1.46 Rp 26.5K

-13.70%

White Bread (500g)

$0.99 ₽81.5

$2.29 Rp 41.6K

-56.77%

Rice (white) (1kg)

$2.42 ₽198

$1.11 Rp 20.1K

118.02%

Eggs

$2.05 ₽168

$2.10 Rp 38.1K

-2.38%

Local Cheese (1kg)

$13.66 ₽1,120

$15.94 Rp 289.4K

-14.30%

Chicken Fillets (1kg)

$6.81 ₽558

$3.88 Rp 70.5K

75.52%

Beef Round Steak (1kg)

$14.45 ₽1,185

$11.40 Rp 207.0K

26.75%

Apples (1kg)

$1.83 ₽150

$3.55 Rp 64.5K

-48.45%

Banana (1kg)

$1.72 ₽141

$1.54 Rp 27.9K

11.69%

Oranges (1kg)

$1.71 ₽140

$2.23 Rp 40.5K

-23.32%

Tomato (1kg)

$2.86 ₽234

$1.97 Rp 35.8K

45.18%

Potato (1kg)

$0.54 ₽44.61

$1.86 Rp 33.7K

-70.97%

Onion (1kg)

$0.56 ₽45.61

$2.42 Rp 43.9K

-76.86%

Lettuce (1 head)

$1.49 ₽122

$1.02 Rp 18.6K

46.08%

Water (1.5 liter bottle)

$0.82 ₽67.1

$0.52 Rp 9,483

57.69%

Cigarettes 20 Pack (Marlboro, Camel)

$3.18 ₽261

$2.20 Rp 39.9K

44.55%

Wine (Bottle)

$8.61 ₽705

$21.79 Rp 395.6K

-60.49%

Local Beer (0.5 liter bottle)

$1.21 ₽99.4

$2.33 Rp 42.2K

-48.07%

Imported Beer (0.33 liter bottle)

$2.73 ₽224

$2.97 Rp 53.9K

-8.08%

One-way Ticket (Public Transport)

$0.45 ₽36.53

$0.25 Rp 4,546

80.00%

Public Transport Monthly Pass (Regular Price)

$18.83 ₽1,544

$8.17 Rp 148.4K

130.48%

Taxi Start (Normal Tariff)

$0.95 ₽77.5

$0.44 Rp 7,947

115.91%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,496

Taxi 1hour Waiting (Normal Tariff)

$6.71 ₽550

$5.60 Rp 101.7K

19.82%

Gasoline (1 liter)

$0.86 ₽70.3

$0.83 Rp 15.0K

3.61%

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

$53.1K ₽4.4M

$24.4K Rp 443.8M

117.25%

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

$41.8K ₽3.4M

$31.7K Rp 575.5M

31.85%

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

$126 ₽10.3K

$77.5 Rp 1.4M

62.95%

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

$6.13 ₽503

$6.14 Rp 111.6K

-0.16%

Internet (50+ Mbps, Unlimited Data)

$9.38 ₽769

$18.92 Rp 343.4K

-50.42%

Gym Membership (Monthly)

$49.75 ₽4,078

$51.0 Rp 925.8K

-2.43%

Tennis Court (1 Hour on Weekend)

$24.64 ₽2,019

$18.25 Rp 331.3K

35.01%

Cinema Ticket

$3.65 ₽299

$4.38 Rp 79.6K

-16.67%

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

$341 ₽28.0K

$492 Rp 8.9M

-30.69%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.9M

Jeans (Levis 501 Or Similar)

$97.7 ₽8,004

$45.16 Rp 819.9K

116.23%

Summer Dress (H&M, Zara, etc)

$37.38 ₽3,064

$34.89 Rp 633.4K

7.14%

Sport Shoes (Adidas, Nike)

$184 ₽15.0K

$78.3 Rp 1.4M

134.37%

Men's Leather Business Shoes

$94.5 ₽7,744

$77.9 Rp 1.4M

21.33%

1-bedroom Apartment, City Center (Monthly)

$302 ₽24.8K

$1,078 Rp 19.6M

-71.97%

1-bedroom Apartment, Outside City Center (Monthly)

$223 ₽18.2K

$665 Rp 12.1M

-66.52%

3-bedroom Apartment, City Center (Monthly)

$627 ₽51.4K

$3,510 Rp 63.7M

-82.14%

3-bedroom Apartment, Outside City Center (Monthly)

$367 ₽30.1K

$1,671 Rp 30.3M

-78.01%

Buy Apartment in City Center (m2)

$1,541 ₽126.3K

$2,340 Rp 42.5M

-34.15%

Buy Apartment Outside City Center (m2)

$1,302 ₽106.7K

$2,236 Rp 40.6M

-41.79%

Average Monthly Net Salary (After Tax)

$662 ₽54.2K

$166 Rp 3.0M

297.85%

20-Year Fixed Mortgage Interest Rate (Annual %)

23.12

13.78

67.78%

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

Last update for Kaluga: October 31, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

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

Groceries & Markets

Kaluga

$247 24.2%

Ubud, Bali

$279 21% 13.3% $33

Accommodation & Living

Kaluga

$223 21.8%

Ubud, Bali

$665 50% 199% $442

Clothing & Footwear

Kaluga

$186 18.2%

Ubud, Bali

$106 8% 42.8% $80

Eating Out

Kaluga

$145 14.2%

Ubud, Bali

$106 8% 27.2% $39

Monthly Utilities & Internet

Kaluga

$142 13.9%

Ubud, Bali

$103 7.7% 27.7% $39

Sport & Entertainment

Kaluga

$57 5.6%

Ubud, Bali

$60 4.5% 4.8% $2.7

Getting Around

Kaluga

$22 * 2.1%

Ubud, Bali

$12 0.9% 44.6% $9.6

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $302 in Kaluga and $1,078 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Kaluga pays about 4 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $37 in Kaluga vs $35 in Ubud, Bali. Groceries flip the comparison at $247 vs $279, with Kaluga cheaper for home cooking.

Good to know

🇷🇺 Kaluga

🇮🇩 Ubud, Bali

🕒 Local time

06:50 6:50 AM

11:50 11:50 AM

5 h ahead of Kaluga

🌤 Weather

👥 Population

331,842

74,800

💱 Currency

Russian Ruble RUB ₽

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 RUB = 1.22 USD

100 RUB = 1.08 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.89 EUR

Exchange rates and currency converter

IDR, USD, EUR to RUB – Russian Ruble Converter

🇺🇸 United States Dollar ($)

🇷🇺 Russian Ruble (₽)

Russian Ruble exchange rates as of November 5, 2026: 1 USD = 81.97 RUB (100 RUB = 1.22 USD). 1 EUR = 92.27 RUB (100 RUB = 1.08 EUR).

Indonesian Rupiah exchange rates as of November 5, 2026: 1 USD = 18,155 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,438 IDR (100,000 IDR = 4.89 EUR).

USD to RUB in detail →

On the map

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Highest

Between locations

Kaluga Ubud, Bali 10,080 km ≈ 13 h nonstop flight

From you

Kaluga
Ubud, Bali

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated March 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Kaluga vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,021 in Kaluga and $1,331 in Ubud, Bali, so Kaluga is about 23% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay in Kaluga is about 4 times higher, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $302 in Kaluga versus $1,078 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Ubud, Bali runs roughly 57% less than in Kaluga. The price difference matters if you commute daily and watch your budget.

Childcare runs $341 in Kaluga versus $492 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Either city works on $2,000 a month, though Kaluga gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Kaluga and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.