Have you ever thought about changing up your life, living overseas, and showing your children how other parts of the world live? If that sounds like something you’ve dreamed of, Bali might just be the place to make it happen. It’s a destination that has transformed thousands of lives—including ours—and it’s guaranteed to shift your perspective in more ways than one.
Living as an expat in Bali is a daily adventure. You’ll learn, adapt, and grow—but it’s important to know that life here also comes with its fair share of surprises, including hidden costs. While Bali has a reputation for being an affordable paradise, the reality is that it can be more expensive than expected, especially for families.
Before diving into the cost of living, the most important question is:
How will you fund your move and life in Bali?
This is one of the most common questions I hear from families. After working with hundreds of clients through our relocation service, I’ve compiled 10 of the most realistic financial strategies people are using in 2026 to make the dream a reality. Most families combine two or more of these methods to support their lifestyle abroad.
In our case, for example, we sold our car, rented out our house, and my husband continued running his business remotely from Bali.
Top 10 Ways to Financially Live in Bali
1. Work Online or run your business remotely
Remote work is now more common than ever, making it easier to live in Bali while continuing your career. If you already run an online business, freelance, or work for a company, explore whether your role can be done remotely. Many employers are now open to flexible work arrangements—especially if you can demonstrate that your productivity remains high. Even if occasional trips back home are required, it can still be a cost-effective solution. Some people also manage their own business remotely, making periodic check-ins or short visits as needed to keep things running smoothly.
We work with great visa agents who can sponsor a Remote Worker visa.
2. Live Off Your Assets
Rent out your home, maintain an income-generating business back home, or draw from other investments like shares or rental properties. Passive income is one of the most stress-free ways to support your lifestyle in Bali.
3. Fly In, Fly Out (FIFO)
Common in industries like mining, engineering, and corporate consulting, many expat families have one partner flying out for work regularly—often to Singapore, Australia, or other countries—while the family stays based in Bali.
4. Get a Sponsored Job in Bali
While job opportunities for foreigners are VERY limited, there are roles in education, hospitality, and tourism that may offer a work visa. These jobs come with a sponsor working kitas (visa),
5. Buy an Established Business in Bali
Some expats buy existing businesses in Bali, typically in hospitality or tourism. This can be a faster way to settle into Bali life, but be sure to seek legal and financial advice before buying.
6. Sell Everything and Live Off Savings
Some families sell their homes, cars, and other belongings to create financial freedom. This option gives you breathing room to explore, plan, or pivot without pressure to earn immediately.
7. Start a Business
Either start something online or find a local niche in Bali. Be aware that starting a legal business in Bali requires time, patience, and navigating the local bureaucracy. With the right support, it’s absolutely doable.
8. Retire in Bali
If you’re aged 55 or over, you may qualify for a retirement visa, which allows you to stay longer-term without needing to leave every few months. Many retirees live comfortably in Bali with savings or pension income. We can assist with income strategies, pension planning and even Centrelink for those Australians.
9. Take a Career Break
Long service leave, sabbaticals, or maternity/paternity leave can provide a temporary income while you enjoy time abroad. This is a great option if you want to pause your regular routine and enjoy a slower pace of life with your family.
10. Save Ahead
Some families make a financial plan, save for a year or more, and then take the leap. Others refinance their homes or take a loan to create a buffer while they explore their next chapter.
So, What Does It Actually Cost to Live in Bali?
That’s a big question—and the answer varies greatly depending on your lifestyle. Your choices around schooling, housing, visas, transport, food, healthcare, staffing, and location will all shape your monthly budget.
If you’d like help mapping out your own costs and understanding what’s realistic for your family, our relocation service can guide you every step of the way.
Our Bronze package includes a Cost-of-Living Guide.
