Free tools · try one before you sign up

The number nobody quotes you.

One-off costs, monthly costs, and the first-month spike shown separately — because the first month is where budgets actually break.

Spending currency

Home currency

Months to plan

Paid once

Tuition — first termOr the deposit, if you are paying in instalments.

USD

Visa and immigration feesApplication fee, health surcharge, biometrics, and any issuance fee.

USD

FlightOne way, plus baggage.

USD

Housing deposit and first monthUsually due before you have a local bank account.

USD

Setup costsBedding, kitchen, winter coat, phone, laptop insurance.

USD

Every month

RentIncluding utilities if they are not billed separately.

USD

Food and householdGroceries plus a realistic amount of eating out.

USD

TransportTransit pass or fuel.

USD

Health insuranceOften mandatory and often billed per term.

USD

Phone and internet

USD

Everything elseBooks, laundry, a social life.

USD

Total for 12 months

$0.00

One-off costs: $0.00
Monthly × 12: $0.00

The first month

$0.00

0% of your entire 12-month budget lands before you have earned anything.

1 USD = ? INR

Enter the rate your bank actually quotes you.

This calculator does arithmetic on figures you supply. It does not estimate costs for you, quote exchange rates, or recommend loans or financial products, and Arrival is not a licensed financial adviser. Nothing you enter here is transmitted anywhere.