If you’re considering trading European winters for a tropical island lifestyle in Bali, you’re likely wondering: is the cost of living truly lower?
We asked expats from Belgium, France, Denmark, Switzerland, the UK, and beyond who’ve made the move. While many agree that Bali offers daily savings on services, food, and childcare, they also shared eye-opening thoughts on housing prices, shopping habits, and how lifestyle choices affect your budget.
How Does the Euro Compare to the Indonesian Rupiah in Bali?
One of the first things you’ll notice when adjusting to life in Bali is the currency shift. The Indonesian Rupiah (IDR) has a much lower value than the Euro (EUR), which can make daily expenses seem very affordable at first glance.
As of 2026, €1 is roughly equal to IDR 19,700, depending on exchange rates. That means a local coffee might cost you as little as €1.50, and a full meal at a warung could be just €3–4.
But the gap narrows when it comes to rent, imported groceries, international schooling, and health insurance — all of which can carry a premium for foreigners. This is why having a clear budget and understanding what’s truly “cheap” versus what’s “tourist-priced” is so important.
Dining, Transport, and Daily Services in Bali
Most families agreed that everyday expenses are more affordable in Bali — especially when it comes to transport, food, and services.
“The cost of living here is generally lower, especially for things like gasoline, services such as taxis, electricity, mobile internet, and scooter rental. One time, Ken had a flat tire, and getting it replaced cost us just 6 AUD.” — Lisa and Ken, Belgium
“A delicious poke bowl, for example, costs only a third of the price compared to what you’d pay back home. Beauty treatments and massages are also very affordable — I get a mani/pedi every three weeks for just 21 AUD. In Belgium, that would easily cost me €100 (170 AUD), so I would never do it there.” — Lisa and Ken
Claire and Stephen from Scotland also highlighted health and household support:
“High-quality gyms and alcohol are relatively expensive, but dining out, coffee, and day trips are much cheaper than back home. Services like housekeeping and childcare are also very affordable. Healthcare has been a positive surprise — fast, professional, and affordable.”
The Real Cost of Housing in Bali
While Bali is often seen as a budget destination, housing costs came as a surprise for many Europeans — particularly those renting short-term or looking for villa comforts.
“One thing that did surprise us, however, was the cost of renting a house. That was a bit of a disappointment. Rental prices are high, and you get much less comfort for what you pay compared to Belgium. The house we live in now is not up to our standards.” — Lisa and Ken, Belgium
“The cost of living here is much lower than in Europe, which has given us more opportunities to enjoy life. However, housing has been more expensive than we expected.” — Sasha and Gustav, Denmark
Jakob and Stina from Norway echoed this:
“For us, the overall cost of living in Bali is actually higher than in Norway, mainly because villa rent and school fees are quite expensive (schooling is free in Norway).”
On average, living in Bali can cost around 30–40% less than in most parts of Europe. For many families, schooling can be an unexpected expense. In some European countries, education is free, so paying for international school fees in Bali can come as a surprise. However, for families already accustomed to private schooling in Europe, this cost is often already part of their budget and less of a concern.
Bali Grocery Costs Explained: How to Shop Smart and Support Local
Another key budgeting factor is your approach to shopping. Imported foods, alcohol, and name-brand items can quickly push expenses higher.
“Grocery shopping can also be expensive. You have to focus on local products; otherwise, your bill adds up quickly. Especially for luxury items like cheese, deli meats, fresh butter, and alcohol, the prices are sky-high.” — Lisa and Ken, Belgium
Eva from the UK shared a similar view:
“I also find supermarkets very expensive, mainly because most of it is imported. But the good news is: there are so many farmers that offer home delivery with their fresh fruit and veggie baskets. I just received my basket today, and that just makes me happy — to focus on what grows here in abundance and support local businesses.”
Bali’s tropical climate means that fresh fruit, vegetables, and herbs are often grown nearby. Supporting local producers and markets is not only more budget-friendly but also helps reduce your environmental impact. Many expat families say shifting their diet toward local, seasonal foods has been one of the most fulfilling changes they’ve made — both financially and culturally.
Childcare and Household Help in Bali
Families from Switzerland and France found that one of Bali’s biggest perks is affordable help at home — something that’s often out of reach back in Europe.
“Our lifestyle is very comfortable — we have a small pool and staff who help us with household tasks, which was absolutely out of reach for us in Europe!” — Elisa, Switzerland
“Having a full-time nanny is definitely very affordable here as opposed to home. It’s also a higher quality of childcare we can get here. Health/spa/beauty treatments are also something we enjoy very frequently here.” — Marielle, Switzerland
“Life is definitely cheaper in Bali compared to France. Here, we can afford a maid and a nanny, dine out regularly, get food delivered, and live in a beautiful villa with a pool.” — Laura, France
Balancing the Budget
It’s not all sunshine and savings. For couples like Kenneth and Franck from France highlighted the importance of realistic budgeting beyond daily expenses.
“It’s clearly lower, even though prices have moved north since COVID. But on top of your daily expenses, you have to add rent, which is not so cheap, and private health insurance… so you need to draw up a budget.”
Jakob and Stina from Norway simplified their wardrobes to adapt:
“Food, eating out, transport, clothes, and shoes are all much cheaper — and since you only need shorts and a T-shirt most days, our wardrobes have become much simpler.”
Respecting Local Culture and Living Mindfully
Bambu from Spain offered a more philosophical reflection on the true meaning of affordability and respect for the island.
“I honestly don’t like when people move here, or to other developing countries, thinking they can get more with less money. For me, living in a place like Bali was about culture, nature, and gaining knowledge about a new place, not because I could have better housing for less or a massage every week. Bali is not that cheap place anymore that people were looking for. You were always able to live very cheaply or very expensively, but now this has changed because we foreigners pushed for it. Therefore, we can’t complain.”
Final Thoughts: Is Bali a Budget Paradise for Europeans?
Bali can offer a more affordable lifestyle — but it’s not one-size-fits-all. Some things will feel like a bargain, while others (like rent or imported goods) may cost more than expected. It all comes down to how you choose to live.
From housekeepers and massages to fresh fruit and simpler wardrobes, many European families find that Bali allows them to live better, not just cheaper. But as always, budgeting wisely and embracing local life is key to making the most of your island experience.
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