Dreaming of living in Bali?
Tropical beaches, friendly locals, great food, and affordable living make Bali one of the world’s most popular destinations for expats and digital nomads.
But the big question is:
💭 How much money do I need to live comfortably in Bali?
This guide breaks down realistic monthly expenses based on lifestyle — from budget to luxury — and where to exchange your money safely.
When I first planned to live in Bali, I expected the cost to be very cheap.
But after spending months in Seminyak, Canggu, Ubud, and Sanur, I learned this:
Bali can be extremely affordable — or surprisingly expensive — depending on your lifestyle.
Whether you’re a remote worker, retiree, or long-term traveler, understanding Bali’s cost of living helps you plan your finances and avoid overspending.
✅ 1️⃣ Monthly Cost of Living in Bali (2025)
Bali offers three main lifestyle levels:
| Lifestyle | Monthly Cost (IDR) | USD Approx | Description |
|---|---|---|---|
| 🏝️ Budget | 8–12 million | $500–$750 | Simple room, local food, scooter |
| 🌴 Mid-Range (Most Expats) | 15–25 million | $950–$1,550 | Private apartment/villa, cafés, gym |
| 💎 Luxury | 30–50 million+ | $1,900–$3,300+ | Private villa, private driver, fine dining |
💬 Most expats live comfortably on 15–25 million IDR/month.
✅ 2️⃣ Breakdown of Monthly Expenses
| Category | Budget | Mid-Range | Luxury |
|---|---|---|---|
| Accommodation | 3–5M | 7–12M | 15–25M |
| Food & Drinks | 2–4M | 5–7M | 10M+ |
| Transport (Scooter/Driver) | 600k–1M | 1–3M | 5M+ |
| Utilities & Internet | 500k–1.5M | 1–2.5M | 3–5M |
| Activities/Gym/Surfing | 500k–1M | 1–2M | 5M+ |
| Miscellaneous | 1M | 2–3M | 5M+ |
✅ 3️⃣ Where to Exchange Money Safely While Living in Bali
Avoid scam kiosks or unlicensed money changers.
The safest and most reliable option:
Best Money Changer Bali (BMC)
A Bank Indonesia–licensed, PT-registered money changer trusted by expats and long-term residents.
📍 Locations:
- Bali Airport
- Seminyak
- Canggu
- Legian
- Sanur
- Tuban
🕖 Open Daily: 07.00–23.00
☎️ +62 851-6706-3510
💬 Tip for expats: Bring clean, large foreign notes ($50–$100) for the best rates.
✅ 4️⃣ Tips to Live Affordably in Bali
💵 Pay in IDR (Indonesian Rupiah)
🍽️ Eat at a mix of cafés + warungs
🛵 Rent a scooter instead of using taxis daily
🏡 Choose an area based on lifestyle (Canggu = trendy, Ubud = calm, Sanur = family-friendly)
💳 Negotiate monthly rental prices for long stays
🏦 Exchange money only at licensed changers like BMC
So, how much money do you need to live in Bali?
➡️ Between 8–12M IDR for budget living,
➡️ 15–25M IDR for comfortable expat living,
➡️ 30M+ IDR for luxury living.
Whatever your lifestyle, exchange your money safely with Best Money Changer Bali to get the best rates and trusted service — perfect for long-term stays on the Island of Gods. 🌅💸
📍 Airport, Seminyak, Canggu, Legian, Sanur, Tuban
🕖 07.00–23.00
☎️ +62 851-6706-3510
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Contact us now !
Whatsapp: +6285167063510 or Click me