Spain moving budget calculator

Separate monthly spending, moving costs, refundable deposits and the cash you need on arrival.

Choose a starting point

CityHome size (m²)AdultsChildrenSpending approach

Rent uses a dated asking-price index. Other starting amounts are editable illustrations, not researched city averages. Replace them with your own quotes.

Monthly household costs (€)

RentGroceriesUtilities & internetTransportHealth insuranceEating out & leisureSchool / childcareOther monthly costs

One-off moving costs (€)

Flights, luggage & pet travelTemporary accommodationVisas, translations & legal helpShippingFurniture & household setupOther setup costs

Deposits & reserves

Fianza (months of rent)Additional guarantee (months)Emergency reserve (months)

Pay a full year of health insurance up front

VALENCIA / HOUSEHOLD BUDGET

Monthly living costs€2,218Entire household, using your entries

Rent: €978
Groceries: €500
Utilities & internet: €160
Transport: €90
Health insurance: €150
Eating out & leisure: €220
School / childcare: €0
Other monthly costs: €120

Yellow: rent. Burgundy: all other monthly costs.

First-year spending: €29,616
One-off costs included above: €3,000
Refundable deposits, separately: €978
Unspent emergency reserve: €6,654
Cash to arrive and hold a reserve: €12,850
First-year cash including deposits & reserve: €37,248

Arrival cash includes month one, setup costs, deposits and your reserve. First-year spending counts each month’s rent and insurance once. Refundable deposits and unspent reserves are not treated as expenses.

Rent reference: €16.3/m² × 60 m² = €978. idealista, August 2026. An asking-rent index does not guarantee an available home at that price.

Sources & assumptions

Asking-rent report, August 2026 BOE: Urban Tenancy Act

Reviewed 30 September 2026. Check the linked authority before acting.

For a habitual-home lease, the statutory fianza is normally one month. Additional guarantees have legal limits for standard lease terms. Real-estate management and contract-formalisation fees fall to the landlord. Different contract types require their own assessment. This budget is separate from visa financial requirements.