Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Kaluga

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.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
49

Cost of Living Index in Kaluga
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Kaluga Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Kaluga

🇷🇺 Russia

$1,021

/mo nomad

Monthly Cost of Living

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

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

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

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

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

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

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

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

Living in Ubud, Bali is roughly 30% more expensive than in Kaluga, and outside of rent the biggest gap is in groceries.

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

Meal at Budget Restaurant

$3.38 Rp 61.3K

$10.25 ₽840

-67.02%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 629.1K

$37.27 ₽3,055

-7.03%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.2K

$4.96 ₽407

12.30%

Cappuccino

$2.62 Rp 47.6K

$2.62 ₽215

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

$1.54 Rp 27.9K

$0.92 ₽75.3

67.39%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$0.58 ₽47.85

10.34%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$1.44 ₽118

85.42%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.4K

$1.82 ₽149

134.07%

Milk (1 liter)

$1.46 Rp 26.5K

$1.26 ₽103

15.87%

White Bread (500g)

$2.29 Rp 41.6K

$0.99 ₽81.5

131.31%

Rice (white) (1kg)

$1.11 Rp 20.1K

$2.42 ₽198

-54.13%

Eggs

$2.10 Rp 38.1K

$2.05 ₽168

2.44%

Local Cheese (1kg)

$15.94 Rp 289.4K

$13.66 ₽1,120

16.69%

Chicken Fillets (1kg)

$3.88 Rp 70.5K

$6.81 ₽558

-43.02%

Beef Round Steak (1kg)

$11.40 Rp 207.0K

$14.45 ₽1,185

-21.11%

Apples (1kg)

$3.55 Rp 64.5K

$1.83 ₽150

93.99%

Banana (1kg)

$1.54 Rp 27.9K

$1.72 ₽141

-10.47%

Oranges (1kg)

$2.23 Rp 40.5K

$1.71 ₽140

30.41%

Tomato (1kg)

$1.97 Rp 35.8K

$2.86 ₽234

-31.12%

Potato (1kg)

$1.86 Rp 33.7K

$0.54 ₽44.61

244.44%

Onion (1kg)

$2.42 Rp 43.9K

$0.56 ₽45.61

332.14%

Lettuce (1 head)

$1.02 Rp 18.6K

$1.49 ₽122

-31.54%

Water (1.5 liter bottle)

$0.52 Rp 9,483

$0.82 ₽67.1

-36.59%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$3.18 ₽261

-30.82%

Wine (Bottle)

$21.79 Rp 395.6K

$8.61 ₽705

153.08%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$1.21 ₽99.4

92.56%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$2.73 ₽224

8.79%

One-way Ticket (Public Transport)

$0.25 Rp 4,546

$0.45 ₽36.53

-44.44%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.4K

$18.83 ₽1,544

-56.61%

Taxi Start (Normal Tariff)

$0.44 Rp 7,947

$0.95 ₽77.5

-53.68%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,496

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.7K

$6.71 ₽550

-16.54%

Gasoline (1 liter)

$0.83 Rp 15.0K

$0.86 ₽70.3

-3.49%

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

$24.4K Rp 443.8M

$53.1K ₽4.4M

-53.97%

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

$31.7K Rp 575.5M

$41.8K ₽3.4M

-24.16%

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

$77.5 Rp 1.4M

$126 ₽10.3K

-38.63%

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

$6.14 Rp 111.6K

$6.13 ₽503

0.16%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.4K

$9.38 ₽769

101.71%

Gym Membership (Monthly)

$51.0 Rp 925.8K

$49.75 ₽4,078

2.49%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.3K

$24.64 ₽2,019

-25.93%

Cinema Ticket

$4.38 Rp 79.6K

$3.65 ₽299

20.00%

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

$492 Rp 8.9M

$341 ₽28.0K

44.27%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.9M

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.9K

$97.7 ₽8,004

-53.75%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 633.4K

$37.38 ₽3,064

-6.66%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$184 ₽15.0K

-57.33%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$94.5 ₽7,744

-17.58%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.6M

$302 ₽24.8K

256.71%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$223 ₽18.2K

198.69%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$627 ₽51.4K

459.89%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$367 ₽30.1K

354.75%

Buy Apartment in City Center (m2)

$2,340 Rp 42.5M

$1,541 ₽126.3K

51.85%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

$1,302 ₽106.7K

71.79%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$662 ₽54.2K

-74.87%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

23.12

-40.40%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Kaluga: October 31, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Kaluga

$223 21.8% 66.5% $442

Groceries & Markets

Ubud, Bali

$279 21%

Kaluga

$247 24.2% 11.8% $33

Clothing & Footwear

Ubud, Bali

$106 8%

Kaluga

$186 18.2% 74.9% $80

Eating Out

Ubud, Bali

$106 8%

Kaluga

$145 14.2% 37.3% $39

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Kaluga

$142 13.9% 38.3% $39

Sport & Entertainment

Ubud, Bali

$60 4.5%

Kaluga

$57 5.6% 4.6% $2.7

Getting Around

Ubud, Bali

$12 0.9%

Kaluga

$22 * 2.1% 80.4% $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 $1,078 in Ubud, Bali and $302 in Kaluga. 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: $35 in Ubud, Bali vs $37 in Kaluga. Groceries flip the comparison at $279 vs $247, with Kaluga cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇷🇺 Kaluga

🕒 Local time

12:05 12:05 PM

07:05 7:05 AM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

331,842

💱 Currency

Indonesian Rupiah IDR Rp

Russian Ruble RUB ₽

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.89 EUR

100 RUB = 1.22 USD

100 RUB = 1.08 EUR

Exchange rates and currency converter

RUB, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

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).

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).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

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

From you

Ubud, Bali
Kaluga

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

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

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

On paper, salaries run 75% lower in Ubud, Bali. That’s worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,078 in Ubud, Bali versus $302 in Kaluga. 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 $492 in Ubud, Bali versus $341 in Kaluga. 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, Ubud, Bali and Kaluga are both considered safe, so it’s unlikely to be the deciding factor between them.