Last update: Oct 2026

Cost of Living Comparison Between Karnal and Ubud, Bali

For one person, living is cheaper in Karnal: $340 a month against $1,349 in Ubud, Bali, rent and utilities included – about $12,100 less a year. Rent and utilities account for most of the difference.

16

Cost of Living Index in Karnal
Learn more

Karnal Living Index
65

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index

Jump to prices

Karnal

🇮🇳 India

$340

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

How much you'll spend in Karnal 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 Karnal and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $340 in Karnal versus $1,349 in Ubud, Bali.

Karnal $340
Ubud, Bali $1,349

Estimated couple costs with rent: $546 in Karnal versus $2,305 in Ubud, Bali.

Karnal $546
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $752 in Karnal versus $3,261 in Ubud, Bali.

Karnal $752
Ubud, Bali $3,261

Living in Karnal costs roughly 75% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$1.60 ₹153

$3.32 Rp 60.4K

-51.81%

Three-Course Dinner for Two, Mid-Range

$10.34 ₹985

$35.64 Rp 647.8K

-70.99%

Fast Food Meal (McDonalds, etc)

$1.97 ₹188

$5.53 Rp 100.6K

-64.38%

Cappuccino

$1.62 ₹155

$2.72 Rp 49.4K

-40.44%

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

$0.37 ₹35.32

$1.70 Rp 30.9K

-78.24%

Water (0.33 liter bottle)

$0.10 ₹9.32

$0.76 Rp 13.8K

-86.84%

Local Beer (0.5 liter draught)

$1.33 ₹127

$2.65 Rp 48.2K

-49.81%

Imported Beer (0.33 liter bottle)

$2.30 ₹219

$4.38 Rp 79.6K

-47.49%

Milk (1 liter)

$0.56 ₹53.1

$1.49 Rp 27.1K

-62.42%

White Bread (500g)

$0.51 ₹48.97

$2.28 Rp 41.4K

-77.63%

Rice (white) (1kg)

$0.73 ₹69.1

$1.19 Rp 21.6K

-38.66%

Eggs

$0.87 ₹82.6

$2.04 Rp 37.0K

-57.35%

Local Cheese (1kg)

$4.97 ₹473

$17.70 Rp 321.7K

-71.92%

Chicken Fillets (1kg)

$3.40 ₹323

$3.96 Rp 72.0K

-14.14%

Beef Round Steak (1kg)

$12.19 Rp 221.6K

Apples (1kg)

$2.21 ₹211

$3.66 Rp 66.4K

-39.62%

Banana (1kg)

$0.60 ₹57.4

$1.52 Rp 27.6K

-60.53%

Oranges (1kg)

$1.19 ₹113

$2.23 Rp 40.5K

-46.64%

Tomato (1kg)

$0.35 ₹33.69

$1.97 Rp 35.9K

-82.23%

Potato (1kg)

$0.27 ₹25.48

$1.85 Rp 33.6K

-85.41%

Onion (1kg)

$0.27 ₹25.66

$2.42 Rp 44.1K

-88.84%

Lettuce (1 head)

$0.62 ₹58.6

$0.99 Rp 18.0K

-37.37%

Water (1.5 liter bottle)

$0.29 ₹27.65

$0.51 Rp 9,332

-43.14%

Cigarettes 20 Pack (Marlboro, Camel)

$3.52 ₹335

$2.22 Rp 40.4K

58.56%

Wine (Bottle)

$9.13 ₹869

$22.24 Rp 404.2K

-58.95%

Local Beer (0.5 liter bottle)

$1.22 ₹117

$2.26 Rp 41.1K

-46.02%

Imported Beer (0.33 liter bottle)

$1.64 ₹156

$2.97 Rp 54.0K

-44.78%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$6.47 ₹616

One-way Ticket (Public Transport)

$0.16 ₹15.07

$0.25 Rp 4,562

-36.00%

Public Transport Monthly Pass (Regular Price)

$16.79 ₹1,599

$7.82 Rp 142.2K

114.71%

Taxi Start (Normal Tariff)

$0.33 ₹31.66

$0.44 Rp 7,989

-25.00%

Taxi (Normal Tariff) (1km)

$0.12 ₹11.84

$0.43 Rp 7,817

-72.09%

Taxi 1hour Waiting (Normal Tariff)

$1.54 ₹147

$5.41 Rp 98.3K

-71.53%

Gasoline (1 liter)

$0.98 ₹93.0

$0.82 Rp 15.0K

19.51%

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

$7,976 ₹759.4K

$23.8K Rp 433.3M

-66.55%

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

$12.6K ₹1.2M

$31.7K Rp 577.0M

-60.25%

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

$43.12 ₹4,106

$79.1 Rp 1.4M

-45.46%

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

$2.69 ₹256

$6.45 Rp 117.2K

-58.29%

Internet (50+ Mbps, Unlimited Data)

$5.74 ₹547

$18.58 Rp 337.7K

-69.11%

Gym Membership (Monthly)

$13.19 ₹1,255

$49.48 Rp 899.4K

-73.34%

Tennis Court (1 Hour on Weekend)

$4.30 ₹410

$17.65 Rp 320.8K

-75.64%

Cinema Ticket

$2.69 ₹256

$4.27 Rp 77.7K

-37.00%

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

$26.12 ₹2,487

$491 Rp 8.9M

-94.68%

International Primary School, 1 Child (Yearly)

$642 ₹61.1K

$5,674 Rp 103.1M

-88.69%

Jeans (Levis 501 Or Similar)

$12.39 ₹1,180

$44.64 Rp 811.4K

-72.24%

Summer Dress (H&M, Zara, etc)

$28.11 ₹2,677

$34.95 Rp 635.3K

-19.57%

Sport Shoes (Adidas, Nike)

$47.10 ₹4,485

$79.9 Rp 1.5M

-41.05%

Men's Leather Business Shoes

$22.36 ₹2,129

$79.4 Rp 1.4M

-71.85%

1-bedroom Apartment, City Center (Monthly)

$66.5 ₹6,334

$1,125 Rp 20.4M

-94.09%

1-bedroom Apartment, Outside City Center (Monthly)

$45.12 ₹4,296

$671 Rp 12.2M

-93.28%

3-bedroom Apartment, City Center (Monthly)

$183 ₹17.4K

$3,565 Rp 64.8M

-94.86%

3-bedroom Apartment, Outside City Center (Monthly)

$131 ₹12.5K

$1,723 Rp 31.3M

-92.40%

Buy Apartment in City Center (m2)

$1,179 ₹112.2K

$2,732 Rp 49.6M

-56.85%

Buy Apartment Outside City Center (m2)

$372 ₹35.4K

$2,284 Rp 41.5M

-83.73%

Average Monthly Net Salary (After Tax)

$444 ₹42.3K

$164 Rp 3.0M

171.19%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.58

13.78

-37.74%

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

Last update for Karnal: October 27, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Groceries & Markets

Karnal

$105 31%

Ubud, Bali

$288 21.4% 174% $183

Monthly Utilities & Internet

Karnal

$52 15.2%

Ubud, Bali

$104 7.7% 102% $53

Eating Out

Karnal

$51 15.1%

Ubud, Bali

$108 8% 110% $56

Clothing & Footwear

Karnal

$49 14.6%

Ubud, Bali

$108 8% 117% $58

Accommodation & Living

Karnal

$45 13.3%

Ubud, Bali

$672 49.8% 1388% $626

Sport & Entertainment

Karnal

$19 5.5%

Ubud, Bali

$58 4.3% 213% $39

Getting Around

Karnal

$18 5.4%

Ubud, Bali

$11 0.9% 37.9% $7

Cost Breakdown

A one-bedroom apartment in the center runs $67 in Karnal and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Karnal pays about 2.7 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $10 in Karnal vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $105 vs $288 per month, with Karnal cheaper across the board.

Good to know

🇮🇳 Karnal

🇮🇩 Ubud, Bali

🕒 Local time

03:44 3:44 AM

06:14 6:14 AM

2 h 30 min ahead of Karnal

🌤 Weather

👥 Population

286,974

74,800

💱 Currency

Indian Rupee INR ₹

Indonesian Rupiah IDR Rp

📈 Exchange rate

1,000 INR = 10.5 USD

1,000 INR = 9.43 EUR

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to INR – Indian Rupee Converter

🇺🇸 United States Dollar ($)

🇮🇳 Indian Rupee (₹)

Indian Rupee exchange rates as of October 28, 2026: 1 USD = 95.22 INR (100 INR = 1.05 USD). 1 EUR = 106 INR (1,000 INR = 9.43 EUR).

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,233 IDR (100,000 IDR = 4.94 EUR).

USD to INR in detail →

On the map

Lowest

Highest

Between locations

Karnal Ubud, Bali 5,900 km ≈ 8 h nonstop flight

From you

Karnal
Ubud, Bali

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

City Median Internet Speeds Comparison (Updated April 2026)

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

Digital Nomad Cost of Living Index

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

Karnal is about 75% cheaper overall, especially in groceries, clothing, and eating out. That difference adds up to real monthly savings that compound significantly over time.

Average pay in Karnal is about 2.7 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: $67 in Karnal versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Karnal – a meal for two runs $10 versus $36 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $340 per month in Karnal versus $1,349 in Ubud, Bali – Karnal is about 75% cheaper, which adds up to real savings over time.

At $340 in Karnal versus $1,349 in Ubud, Bali, a $1,000 budget is realistic in Karnal but tight or insufficient in Ubud, Bali. The gap between the two cities makes Karnal the clear choice for anyone on this budget.

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