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You've watched the videos.
You've read the blogs.
You still don't know if you can actually afford Spain.
Everything is Boffo presents
SPAIN BUDGET CALCULATOR πͺπΈ
β¬7 Β· Instant access Β· Works in your currency
What if you could find out β right now β
Whether your income covers Valencia?
Whether Madrid is completely out of reach?
Whether a smaller city changes everything?
β¦With just your monthly income, your currency, and about 45 seconds.
Here's the problem with every free cost of living calculator online.
They're built for everyone. Which means they're built for no one.
Numbeo will tell you the average cost of a cappuccino in Barcelona. Expatistan will give you a generic index number that means nothing to your actual life. And none of them will tell you whether your income β in your currency β lands as Impossible, Tight, Workable, or Ideal in four different types of Spanish city.
This one does.
And it's built by two people who actually moved here.
Here's exactly what you get:
β 30+ currencies β US dollars, Philippine pesos, British pounds, Canadian dollars, Australian dollars, UAE dirhams, Singapore dollars, Indian rupees, and 22 more. Live exchange rate from the European Central Bank, updated every business day.
β Four Spanish cities compared side by side β Valencia, Madrid, MΓ‘laga, and a smaller city benchmark (Murcia, CastellΓ³n, Zaragoza). Because Spain isn't one place, and your budget doesn't land the same way everywhere.
β Four household sizes β Single person, Couple, Couple with one child, Couple with two children. Every cost line scales to your actual household β rent, food, transport, health insurance, utilities, and personal expenses.
β Three budget modes β Frugal, Moderate, and Upscale. Switch between them instantly to see how your income holds up across different lifestyle levels.
β Private school fees β Families with children get a detailed BCLC 2026β27 school fee reference built into the breakdown β tuition by year group, lunch, transport, and education fees. With a note on what's not included (uniform, iPad, books).
β Line-by-line cost breakdown β every cost category shown in both euros and your local currency, so the numbers actually mean something to you.
β Verdict badge per city β Impossible, Tight, Workable, or Ideal. One clear label per city so you know at a glance where you stand.
β One-time setup costs when renting β deposit, first month's rent, agency fee, and furnishing estimate, shown as a lump sum you need to have ready before you land. With a note that this applies when renting β not if you're staying with friends initially.
β Savings runway calculator β enter what you have saved and find out how many months you can cover before income needs to come in.
β Transport clarified β costs reflect a monthly public transport pass (bus, metro, tram within city). Parking rental noted separately for central areas.
What the verdict labels actually mean:
The calculator runs your income against real median costs and gives each city one of four verdicts β so you know at a glance where you actually stand, not where you hope you do.
Impossible β Your income doesn't cover the basics in this city at this budget. That's not a permanent no β it might mean a different city, a leaner budget mode, or a different timeline. The calculator shows you exactly where the gap is.
Tight β Your income covers costs, but with less than 40% left over each month. It works on paper. Whether it works in real life depends on how you handle financial pressure β and how much buffer you want before emergencies.
Workable β Your income covers the city comfortably and leaves you breathing room. Not extravagant, but not stressed either. Most people who move to Spain and stay land somewhere in this range within their first year.
Ideal β Your income is double or more what the city costs at your chosen budget mode. You have real financial freedom here β the ability to save, travel, handle surprises, and actually enjoy the lifestyle Spain offers without watching every euro.
β¦With just your monthly income, your currency, and about 45 seconds.
Who's Behind This?
We're Bea and Paul. After 13 years in the U.S. following every immigration rule with no clear path to permanent residency, we packed six suitcases, brought our dog, and moved to Valencia without ever having visited Europe first.
We've since helped thousands of people plan their own move, through our YouTube channel, our Facebook community, and guides like this one. We're not relocation consultants reciting numbers from a spreadsheet. We picked our own city the hard way, and we built this guide so you don't have to.
Don't believe us, believe them:
"You've put together such a valuable resource--thank you!!"
This is exactly what my husband and I need as we plan our visit and then our move to Spain. We are former TV and video producers and you did a lovely job with these.
Deborah G.
"I feel like I am finally getting close to my life dreams!"
The information you and Paul have provided is well thought out and takes a lot of guess work out of a very stressful situation.
I cannot wait to start out life in Spain!!!
I have shown so many friends and family your information and cannot thank you enough for all you provide for us and everyone.
Tiffany L.
This is not financial advice.
(We're content creators, not accountants. Please don't make major life decisions based solely on a β¬7 calculator β talk to an actual professional about your actual situation. This is a planning tool. A very good one. But a planning tool.)