Last update: Oct 2026

Cost of Living Comparison Between Tbilisi and Panaji

For one person, living is cheaper in Panaji: $434 a month against $1,269 in Tbilisi, rent and utilities included – about $10,000 less a year. Rent and utilities account for about half of the difference.

61

Cost of Living Index in Tbilisi
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Tbilisi Living Index
21

Cost of Living Index in Panaji
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Panaji Living Index

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Tbilisi

🇬🇪 Georgia

$1,269

/mo nomad

Panaji

🇮🇳 India

$434

/mo nomad

Monthly Cost of Living

How much you'll spend in Tbilisi and in Panaji

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

Monthly costs for one person with rent: $1,269 in Tbilisi versus $434 in Panaji.

Tbilisi $1,269
Panaji $434

Estimated couple costs with rent: $2,016 in Tbilisi versus $691 in Panaji.

Tbilisi $2,016
Panaji $691

Monthly costs for a family of three with rent: $2,763 in Tbilisi versus $948 in Panaji.

Tbilisi $2,763
Panaji $948

Living in Tbilisi is roughly 192% more expensive than in Panaji, and outside of rent the biggest gap is in clothing.

Both cities sit below the global median: Tbilisi 7% lower, Panaji 68% lower.

Meal at Budget Restaurant

$11.63 ₾30.07

$2.60 ₹248

347.31%

Three-Course Dinner for Two, Mid-Range

$37.83 ₾97.8

$15.51 ₹1,477

143.91%

Fast Food Meal (McDonalds, etc)

$9.66 ₾24.98

$3.75 ₹357

157.60%

Cappuccino

$3.57 ₾9.24

$1.70 ₹162

110.00%

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

$1.08 ₾2.78

$0.47 ₹44.37

129.79%

Water (0.33 liter bottle)

$0.56 ₾1.45

$0.17 ₹16.26

229.41%

Local Beer (0.5 liter draught)

$2.62 ₾6.78

$1.07 ₹102

144.86%

Imported Beer (0.33 liter bottle)

$3.04 ₾7.85

$1.81 ₹173

67.96%

Milk (1 liter)

$2.17 ₾5.60

$0.69 ₹65.3

214.49%

White Bread (500g)

$0.80 ₾2.06

$0.48 ₹46.15

66.67%

Rice (white) (1kg)

$1.74 ₾4.51

$0.74 ₹70.4

135.14%

Eggs

$2.83 ₾7.31

$0.92 ₹88.1

207.61%

Local Cheese (1kg)

$9.31 ₾24.07

$7.46 ₹710

24.80%

Chicken Fillets (1kg)

$6.52 ₾16.85

$3.50 ₹333

86.29%

Beef Round Steak (1kg)

$12.95 ₾33.50

Apples (1kg)

$1.68 ₾4.34

$2.50 ₹238

-32.80%

Banana (1kg)

$1.85 ₾4.79

$0.81 ₹77.1

128.40%

Oranges (1kg)

$1.97 ₾5.10

$1.28 ₹122

53.91%

Tomato (1kg)

$2.42 ₾6.25

$0.39 ₹37.41

520.51%

Potato (1kg)

$0.82 ₾2.11

$0.36 ₹33.82

127.78%

Onion (1kg)

$0.74 ₾1.91

$0.41 ₹39.35

80.49%

Lettuce (1 head)

$1.34 ₾3.47

$0.86 ₹81.8

55.81%

Water (1.5 liter bottle)

$0.77 ₾2.00

$0.36 ₹34.65

113.89%

Cigarettes 20 Pack (Marlboro, Camel)

$3.57 ₾9.24

$3.77 ₹359

-5.31%

Wine (Bottle)

$7.67 ₾19.83

$7.46 ₹710

2.82%

Local Beer (0.5 liter bottle)

$1.70 ₾4.39

$1.02 ₹97.5

66.67%

Imported Beer (0.33 liter bottle)

$2.40 ₾6.21

$3.08 ₹294

-22.08%

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

$4.33 ₹413

One-way Ticket (Public Transport)

$0.40 ₾1.05

$0.18 ₹17.51

122.22%

Public Transport Monthly Pass (Regular Price)

$15.23 ₾39.38

$6.40 ₹609

137.97%

Taxi Start (Normal Tariff)

$1.14 ₾2.95

$0.33 ₹31.55

245.45%

Taxi (Normal Tariff) (1km)

$0.78 ₾2.02

$0.55 ₹52.2

41.82%

Taxi 1hour Waiting (Normal Tariff)

$11.83 ₾30.58

$2.15 ₹204

450.23%

Gasoline (1 liter)

$1.45 ₾3.75

$1.08 ₹103

34.26%

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

$24.6K ₾63.6K

$16.7K ₹1.6M

46.76%

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

$22.3K ₾57.8K

$24.6K ₹2.3M

-9.31%

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

$88.8 ₾230

$21.35 ₹2,033

315.93%

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

$13.12 ₾33.93

$3.56 ₹339

268.54%

Internet (50+ Mbps, Unlimited Data)

$19.67 ₾50.9

$8.80 ₹838

123.52%

Gym Membership (Monthly)

$64.1 ₾166

$27.16 ₹2,586

135.82%

Tennis Court (1 Hour on Weekend)

$19.04 ₾49.24

$3.13 ₹298

508.31%

Cinema Ticket

$7.12 ₾18.42

$2.84 ₹270

150.70%

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

$375 ₾971

$54.9 ₹5,223

584.50%

International Primary School, 1 Child (Yearly)

$10.5K ₾27.1K

$1,453 ₹138.4K

620.42%

Jeans (Levis 501 Or Similar)

$104 ₾268

$36.39 ₹3,465

184.80%

Summer Dress (H&M, Zara, etc)

$39.26 ₾102

$25.76 ₹2,453

52.41%

Sport Shoes (Adidas, Nike)

$117 ₾303

$20.83 ₹1,984

463.42%

Men's Leather Business Shoes

$122 ₾315

$15.65 ₹1,490

677.89%

1-bedroom Apartment, City Center (Monthly)

$695 ₾1,798

$174 ₹16.5K

300.29%

1-bedroom Apartment, Outside City Center (Monthly)

$451 ₾1,167

$131 ₹12.4K

245.21%

3-bedroom Apartment, City Center (Monthly)

$1,355 ₾3,504

$348 ₹33.2K

288.81%

3-bedroom Apartment, Outside City Center (Monthly)

$906 ₾2,343

$258 ₹24.5K

251.80%

Buy Apartment in City Center (m2)

$2,295 ₾5,934

$925 ₹88.1K

148.15%

Buy Apartment Outside City Center (m2)

$1,345 ₾3,478

$709 ₹67.5K

89.67%

Average Monthly Net Salary (After Tax)

$664 ₾1,718

$192 ₹18.3K

245.50%

20-Year Fixed Mortgage Interest Rate (Annual %)

12.62

9.74

29.57%

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

Last update for Tbilisi: October 27, 2026

Last update for Panaji: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Tbilisi

$451 35.6%

Panaji

$131 30.1% 71% $320

Groceries & Markets

Tbilisi

$234 18.4%

Panaji

$119 27.3% 49.3% $115

Eating Out

Tbilisi

$191 15%

Panaji

$64 14.7% 66.4% $127

Clothing & Footwear

Tbilisi

$172 13.5%

Panaji

$44 10.2% 74.2% $128

Monthly Utilities & Internet

Tbilisi

$122 9.6%

Panaji

$34 7.8% 72.3% $88

Sport & Entertainment

Tbilisi

$78 6.2%

Panaji

$33 7.6% 58.1% $45

Getting Around

Tbilisi

$22 1.7%

Panaji

$10 2.4% 53.4% $12

Cost Breakdown

A one-bedroom apartment in the center runs $695 in Tbilisi and $174 in Panaji. Housing cost is often the main lever when comparing two cities.

Tbilisi pays about 3.5 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $38 in Tbilisi vs $16 in Panaji for a mid-range dinner for two. Groceries echo the gap at $234 vs $119 per month, with Panaji cheaper across the board.

Good to know

🇬🇪 Tbilisi

🇮🇳 Panaji

🕒 Local time

02:06 2:06 AM

03:36 3:36 AM

1 h 30 min ahead of Tbilisi

🌤 Weather

👥 Population

1,241,700 Capital

114,759

💱 Currency

Georgian Lari GEL ₾

Indian Rupee INR ₹

📈 Exchange rate

1 GEL = 0.387 USD

1 GEL = 0.347 EUR

1,000 INR = 10.5 USD

1,000 INR = 9.43 EUR

Exchange rates and currency converter

INR, USD, EUR to GEL – Georgian Lari Converter

🇺🇸 United States Dollar ($)

🇬🇪 Georgian Lari (₾)

Georgian Lari exchange rates as of October 28, 2026: 1 USD = 2.59 GEL (1 GEL = 0.387 USD). 1 EUR = 2.88 GEL (1 GEL = 0.347 EUR).

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).

USD to GEL in detail →

On the map

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Between locations

Tbilisi Panaji 4,030 km ≈ 6 h nonstop flight

From you

Tbilisi
Panaji

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

Tbilisi vs Panaji: Cost of Living - Frequently Asked Questions

Panaji is about 66% cheaper overall, especially in clothing, eating out, and groceries. That difference adds up to real monthly savings that compound significantly over time.

Average pay in Tbilisi is about 3.5 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: $695 in Tbilisi versus $174 in Panaji. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $375 in Tbilisi versus $55 in Panaji. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 97% higher in Tbilisi. For households that cook at home regularly, that difference adds up over a month.

At $434 in Panaji versus $1,269 in Tbilisi, a $1,000 budget is realistic in Panaji but tight or insufficient in Tbilisi. The gap between the two cities makes Panaji the clear choice for anyone on this budget.

For families, Panaji is more practical. Housing and childcare are both notably cheaper than in Tbilisi, and the savings on those two alone free up budget for education, activities, and family trips.

Expats usually find Panaji gentler on the wallet – expenses run 66% less than in Tbilisi. Beyond cost, consider language, visa policies, and how big the international community is in each city.