Vol. 04 / 2026Tool · FreeUpdated May 2026
№ 00 — The Tools

Cost of living calculatorConvert your salary across 50 cities, with tax and rent weighted in

Take the salary you earn today, drop in the city you want to move to, and the calculator returns the gross figure you need to keep the same standard of living. Numbers are May 2026, recalculated monthly.

Tool № 01Cost of living calculator
№ 01 — The Setup

What the calculator actually does.

Most cost of living calculators on the open web compare two Numbeo indices and call it done. That misses two thirds of the variable. The everycity calculator weights three things: housing, which we price as the median rent on a central one bedroom; baseline consumption, which we price as the OECD basket of groceries, transport, utilities, and one mid range dinner a week; and the marginal tax position on the gross salary you enter. The output is the gross salary you need in the target city to keep the same monthly take home after rent and tax.

The calculator is built on the same data set that powers the city profiles for Dubai, Singapore, London, Tokyo, Lisbon, and 45 other cities. If you want the cost lines piece by piece, the 2026 cost of living report walks every line item. For the comparison view across two cities, the cost converter sits next to this one.

Important read on the result. The calculator returns a salary that holds your purchasing power flat. It does not factor savings rate, healthcare premiums on the private market, the cost of moving, or the first three months of double rent that most relocations carry. For the full move budget, the relocation checklist covers the line items the recruiters skip.

№ 02 — The Calculator

Run your number.

Drop in your salary, your current city, and the city you are moving to. Recalculates instantly.

Inputs

Salary equivalence, across 50 cities.

Output adjusts monthly cost basis, central one bedroom rent, and the marginal tax band. Currency is USD on a May 2026 mid market rate.

Equivalent salary
$135,400

To match a $120,000 take home position from your current city.

Reading the output. If the calculator returns a higher number than your current salary, the target city is more expensive on the weighted basket; if it returns a lower number, you keep purchasing power on a smaller gross. Tax is the variable that swings the result hardest. Moving from London on a 45 percent marginal rate to Dubai on a 0 percent rate compresses the equivalent gross by roughly a third even before rent enters the math.

If you are running the calculator before accepting a written offer, set the output as the floor of your negotiation, not the target. Recruiters routinely lowball relocation packages by 8 to 18 percent against the everycity equivalence; closing that gap is the highest leverage 30 minutes you will spend in the process. The relocation package guide has the scripts.

№ 03 — The Method

How the math works.

Three weighted inputs, one output. The whole formula in 90 seconds.

01 Housing
Median rent on a central one bedroom, sourced from Numbeo May 2026 with a Mercer cross check on the top 50 cities. Weight: 35 percent of the equivalence factor.
02 Consumption
OECD basket of groceries, transport, utilities, internet at 500 Mbps, and one mid range dinner a week. Weight: 35 percent. Excludes school fees, private healthcare, and discretionary travel.
03 Tax
Marginal rate on the gross salary entered, sourced from the relevant national tax authority. Where the city sits in a federal jurisdiction (United States, Australia, Switzerland) we apply the combined federal plus local rate. Weight: 30 percent.
Output
The salary that holds your monthly disposable income flat after rent and tax. The calculator does not factor savings rate, expat health premiums, school fees, or one off relocation costs. For the full move budget, see the relocation checklist.

For comparisons that rank the full population on a single chart, the cheapest cities ranking sorts on the basket alone, the highest paying cities ranking sorts on net take home for a senior software role, and the lowest tax cities ranking sorts on the marginal rate. Use the calculator for your specific number, the rankings for the cross city pattern.

№ 04 — The Worked Examples

Five real moves, run through the formula.

The calculator's output for a 120,000 dollar baseline in five common origin cities.

From, To
Equivalent salary
Delta
London to Dubai$94,200
Drop on tax21 percent lower
Tax flips the math$25,800 saved
New York to Lisbon$58,400
Drop on rent51 percent lower
Rent flips the math$61,600 saved
Berlin to Singapore$148,600
Rise on rentplus 24 percent
Singapore costs more$28,600 raise needed
San Francisco to Tokyo$72,800
Drop on rent40 percent lower
Tokyo is the value play$47,200 saved
Paris to Bangkok$48,200
Drop across the board60 percent lower
Bangkok is half price$71,800 saved

Two patterns the table makes visible. First, the United States to Asia route returns a smaller equivalent gross than the math suggests on the headline because state and city tax in places like New York and California push the effective rate above 40 percent for a 120,000 dollar earner. Second, the Europe to Gulf route inverts the standard relocation: you can take a salary cut on paper and still come out ahead because there is no income tax to feed.

For the long form read on each move, the comparison pages for London vs Dubai, New York vs Lisbon, and San Francisco vs Tokyo walk the variables side by side.

№ 05 — The Verdict

The calculator is your floor, not your target.

Relocations get sold on the headline tax saving and the lifestyle photography. The calculator strips both away. If your equivalent gross sits above your offer, the move is a pay cut; if it sits below, you are taking a raise that the recruiter has not yet bothered to mention. Either result is useful before you sign. Use the number, then add the relocation score on top to weight safety, climate, and visa difficulty alongside the cost. The two tools together get you to the floor of a real decision.

For the comparison view across two cities, see the cost converter or any of Dubai vs Singapore, London vs Lisbon, or New York vs Austin.

Sources, May 2026. Numbeo cost of living index May 2026 · Mercer Cost of Living Survey 2026 · OECD Tax Database 2025 · World Bank Open Data 2025 · Speedtest Global Index April 2026 · EIU Safe Cities Index 2024 · Henley Passport Index 2026 · the relevant national immigration authorities for visa rules · Glassdoor and Levels.fyi for salary medians · NOAA, ECMWF, and JMA for climate normals 1991 to 2020. First published May 10, 2026. Last updated May 10, 2026.