Methodology & sources
How SpendMath estimates what a typical household spends in your country, and every source behind those figures.
How typical amounts are estimated
For each country we cover, SpendMath keeps a set of typical monthly amounts: income, rent, groceries, power, fuel, transport, school fees and more. There are separate figures for three kinds of household: a single person renting in a city, a young professional and a family of four. When you choose your country and household type, each of your bills is compared with that set.
The figures come from official statistics offices, central banks, regulators and the other sources listed below. They are estimates for planning, not exact figures for your city or your family, and your own costs may be higher or lower.
Each country shows the date its figures were last reviewed. When figures or rules change, they are checked again and the date is updated.
Other countries
For other countries, typical amounts are worked out as shares of your own income, based on household spending patterns from the US Bureau of Labor Statistics Consumer Expenditure Survey.
The calculator marks these amounts as a rough guide.
Countries and review dates
The table shows each country’s currency, when its figures were last reviewed and how many sources were used. Open a country below to see its sources.
| Country | Currency | Last reviewed | Sources |
|---|---|---|---|
| Australia | AUD | 7 | |
| Brazil | BRL | 12 | |
| Canada | CAD | 5 | |
| France | EUR | 11 | |
| Germany | EUR | 13 | |
| India | INR | 18 | |
| Indonesia | IDR | 12 | |
| Mexico | MXN | 10 | |
| Nigeria | NGN | 12 | |
| Pakistan | PKR | 22 | |
| Saudi Arabia | SAR | 8 | |
| Spain | EUR | 11 | |
| United Arab Emirates | AED | 14 | |
| United Kingdom | GBP | 21 | |
| United States | USD | 22 | |
| Other countries | 1 |
Sources by country
Australia · 7 sources
- Cotality Quarterly Rental Review, September 2026 (via savings.com.au)
- AER Default Market Offer 2026-27 information kit
- Australian CPI August 2026 (QNA / ABS release)
- Compare the Market: about health insurance premiums
- Canstar best savings account interest rates
- Energy Made Easy (Australian Government)
- privatehealth.gov.au
Brazil · 12 sources
- Meus Dividendos: IPCA (Aug 2026, 4.22% over 12 months)
- Atlas Público: Copom cuts Selic to 13.75% (16 Sep 2026)
- Jornal do Comércio: card rotativo rises to 444.9% a year in August (BCB)
- Correio da Manhã: average worker earnings R$3,722 in Q1 2026 (IBGE PNAD)
- Poder360: FipeZap rents (São Paulo R$65.36/m² Aug 2026)
- Canal Solar: Aneel raises 2026 tariff projection to 9.4%
- Diário do Grande ABC: ANP fuel prices (gasoline R$6.53/l)
- Canaltech: Netflix raises prices in Brazil (Oct 2026)
- Vivo: Globoplay price change notice (2026)
- O Povo / Agência Brasil: ANS caps individual plan increase at 5.11%
- Suno: quanto rende investir no Ibovespa
- Clube dos Poupadores: tabela de investimentos 2000–2024
Canada · 5 sources
France · 11 sources
- INSEE Informations Rapides n°247 (CPI September 2026)
- Tout sur mes finances: Livret A 2026 (1.70% from 1 Aug 2026)
- Lefebvre Dalloz: taux d’usure au 1er octobre 2026
- Selectra: taux du crédit conso (revolving 15–21%)
- Tout sur mes finances: salaire médian (INSEE €2,190 net EQTP 2024)
- SeLoger: prix des loyers en France
- La Prime Énergie: tarif électricité 2026 (TRV Base €0.2001/kWh)
- Magnolia: prix d’une mutuelle santé en 2026
- Selectra: prix mutuelle santé
- AFG: CAC 40 évolution et performance (GR +9.2%/yr since 1987, to 2021)
- Avenue des Investisseurs: ETF CAC 40 (~8.5%/yr since 1987, to 2022)
Germany · 13 sources
- Destatis press release No. 364 (CPI September 2026)
- Greix rent index Q2 2026 via dpa (Mietpreise: Stärkster Anstieg in Köln, Rückgang in Berlin)
- StromAuskunft: Strompreis aktuell
- Finanztip: Strompreis 2026 (BDEW average)
- Vergleich.de: Gaspreise 2026
- Finanztip: Deutschlandticket wird 2026 teurer
- Finanztip: Rundfunkbeitrag 2026
- Ingenieur.de: Destatis median gross earnings 2025
- Capitalo: Kreditkarte mit Ratenzahlung (card rates 15.75–27.57%)
- Finanztip: Amazon Visa raises card rate to 16.63%
- Vergleich.de: Kreditzinsen 2026 (median 6.05%)
- Biallo: EZB-Zinsentscheidung (deposit rate 2.50% from 16 Sep 2026)
- aktienwelt360: 35 Jahre DAX (7.8% a year, performance index 1988–2023)
India · 18 sources
- RBI MPC October 2026: repo raised to 5.50%, FY27 CPI forecast 5.2% (smallcase summary)
- SBI 1-year FD 6.25% (Sept 2026) — Upstox, RBI MPC preview
- NSE press release: Nifty 50 returns Nov 1995–Feb 2026 (11.23% price, 12.74% TRI CAGR)
- Bajaj AMC — Nifty 50 historical returns (20-year CAGR ~11.1% price / ~12.4% TRI)
- Paisabazaar — credit card interest rates in India (typically 2.5–3.75% a month)
- PM Surya Ghar: Muft Bijli Yojana
- MoSPI — HCES 2023-24 press note (urban MPCE ₹6,996; food ≈40% of urban MPCE)
- PLFS annual report Jul 2023–Jun 2024 (urban regular salaried earnings ₹24,434/month, Apr–Jun 2024) — Rural India Online library
- Indeed hiring report via People Matters — average starting offer for class of 2025 ₹3.5 LPA
- NoBroker H1 2025 rent report via Outlook Money (2BHK rents by locality, Bengaluru/Pune/Hyderabad)
- Magicbricks Rent Index May 2025 via Outlook Money (1,000 sq ft unit: Bengaluru ₹36,772, Pune ₹31,439, Mumbai ₹98,431)
- KERC tariff order FY26–28 for BESCOM — Deccan Herald (₹5.80/unit, ₹145/kW fixed, 36p P&G surcharge)
- Housing.com — Delhi electricity rates 2025 (DERC slabs ₹3/₹4.5/₹6.5, 200 free units)
- The Hans India — petrol and diesel prices, 15 Oct 2026 (Delhi petrol ₹102.12/L)
- News on AIR — domestic LPG hiked to ₹913 (Mar 2026); later ₹942 from June 2026
- Smartprix — Jio AirFiber vs Airtel Xstream AirFiber plans 2026 (from ₹599 / ₹699 + GST)
- CEDA Ashoka — CMS: Education 2025 analysis (urban private unaided ≈₹35,798 a student a year)
- Factly/Dataful — CMS: Education 2025 (urban course fee ₹19,457, transport ₹7,041)
Indonesia · 12 sources
- Katadata/Kompas TV — UMP Jakarta 2026 Rp5,729,876
- Databoks (BPS Susenas) — Jakarta per-capita spending 2025 Rp2.96 million/month, food 38.9%
- JournalArta — PLN tariffs Q4 2026 (R-1 1,300 VA Rp1,444.70/kWh)
- Bisnis.com — fuel prices 15 Oct 2026 (Pertalite Rp10,000; Pertamax Rp15,950)
- Dealls — biaya hidup di Jakarta (2-bed apartment Rp7m+, rumah kontrakan Rp20–50m a year)
- Jendela360 — Cosmo Terrace 2-bedroom rents
- Bisnis.com — highest bank deposit rates October 2026 (BRI/BCA up to 3%)
- Bisnis.com — BI holds BI Rate at 5.75%, August 2026 inflation 3.19%
- Investortrust — IHSG closes 2025 at 8,646.94
- Reku — IHSG vs S&P 500
- Cermati — suku bunga kartu kredit di Indonesia (cap 1.75% a month)
- Bisnis.com — Vidio Platinum Rp32,480 incl. 12% VAT (Jan 2025)
Mexico · 10 sources
- México, ¿cómo vamos?: inflación septiembre 2026 (INEGI 3.45%)
- México, ¿cómo vamos?: política monetaria sep 2026 (Banxico 6.50%)
- IMCP / STPS: average IMSS salary record
- INEGI ENIGH 2024 results
- IMCO: análisis ENIGH 2024 (food 38%, transport 20%, housing/energy 15%)
- Posta: cuánto cuesta rentar en la CDMX en 2026 (Inmuebles24)
- UnoTV: gas LP prices 4–10 Oct 2026
- UnoTV: CFE domestic tariffs June 2026
- Plaza de Armas: CAT promedio tarjetas (Banxico transparency)
- Ley Federal del Trabajo, art. 88 (pay at most every 15 days for non-manual workers)
Nigeria · 12 sources
- Nairametrics — CBN retains MPR at 26.5%, inflation 15.91% (June 2026)
- GlobalPetrolPrices — Nigeria fuel prices (petrol ₦1,304, diesel ₦1,715.50, 5 Oct 2026)
- BusinessAM — NERC Band A tariff ₦225/kWh
- Ownkey — houses for rent in Lagos (monthly ranges by area)
- Legit.ng / Lagos Realty — Lagos Island 2-bed rents 2026
- HiveDesk — average salary in Nigeria 2026
- The Sun (NBS Selected Food Prices) — 50 kg local rice ₦112,000 in March 2026
- NairaCompare — Nigeria H2 2026 investment outlook (FDs 18–24%)
- Trading Economics — Nigeria deposit interest rate
- Investdata — NGX 2025 year-end review (ASI +51.19%, 155,613)
- Nairametrics — bank lending rates GTBank/Zenith/Access June 2026
- VTpass — DStv packages and prices 2026 (Compact ₦19,000)
Pakistan · 22 sources
- SBP keeps policy rate at 11.5% (July 2026); inflation 10.9% Apr, 11.7% May 2026 — ARY News
- CDNS cuts National Savings profit rates, Special Savings Certificate 11.2% (July 2026) — Express Tribune
- KSE-100 posts ~14% compounded annual growth over 30 years — Business Recorder
- PSX returns 2025 (avg annual gains ~22% over 10 years, 21% over 20) — Nukta
- MCB credit card summary box Jul–Dec 2026 (APR up to 44%); Allied Bank cards 34% p.a.
- PBS — Household Integrated Economic Survey (HIES) 2024-25, Final Report
- PBS — Labour Force Survey 2024-25 Annual Report (Tables 5.2 and 5.4, monthly wages)
- PBS — CPI press release, September 2026 (10.26% YoY, national index 304.33)
- PBS — CPI press release, September 2025 (5.76% YoY)
- Daily Pakistan — minimum wage raised to Rs 40,700 in Budget 2026-27 (12 Jun 2026)
- Zameen Index — average asking rent for flats, Karachi (Aug 2026)
- Zameen Index — average asking rent for flats, Lahore (Aug 2026)
- Zameen Index — average asking rent for flats, Islamabad (Aug 2026)
- Zameen Index — average asking rent for houses, Lahore (Aug 2026)
- Zameen Index — average asking rent for houses, Faisalabad (Aug 2026)
- Zameen Index — average asking rent for houses, Karachi (Aug 2026)
- APP — OGRA cuts petrol price by Rs3.63 to Rs390.23 per litre (Oct 2026)
- Nukta — Pakistan reduces average power tariff (NEPRA domestic slab rates, Jul 2025)
- The News — domestic consumers using up to 300 units hit with fixed charges (NEPRA, Feb 2026)
- Dawn — Govt notifies 50pc hike in gas charges (30 Jun 2025)
- ProPakistani — PTCL Flash Fiber packages (Jun 2026)
- Result.pk — Punjab govt denies Rs 10,000 limit on private school fees
Saudi Arabia · 8 sources
- Darak — Riyadh rental market report June 2026 (median apartment SAR 43,000 a year, villa SAR 100,000)
- GASTAT — Household income and consumption expenditure statistics 2023 (disposable income SAR 11,839, consumption SAR 10,884 a month)
- Argaam — Saudi inflation holds at 1.8% in August 2026 (GASTAT)
- Saudi Electricity Company tariff schedule (18 / 30 halalas per kWh, residential)
- SayaraBay — Saudi fuel prices October 2026 (91: SAR 2.18, 95: SAR 2.33)
- Argaam — TASI year-end levels 2016–2024
- SAMA — rules for disclosing the prices of financing and savings products
- Saudi Life Guide — Iqama fees 2026 (dependent levy SAR 400 a month)
Spain · 11 sources
- INE: CPI September 2026
- Que.es: alquiler agosto 2026 (idealista €15.1/m²)
- Bolsamanía / Europa Press: idealista July 2026 (Madrid €23.2, Barcelona €20.1/m²)
- Energías Renovables: hogares destinan 690 euros (Roams 2026)
- Papernest: termómetro julio 2026 (PVPC bill €68.32/month)
- Finantres: tarjetas revolving por encima del 22%
- Bolsamanía: salario medio (INE EES)
- The Corner: most common salary in Spain (INE median €24,497)
- HelpMyCash: mejores depósitos octubre 2026
- Estrategias de Inversión: IBEX 35 con dividendos (7.95%/yr over 30 years)
- Cuantomecuesta: costes recurrentes (comunidad €30–250/month)
United Arab Emirates · 14 sources
- Driven Properties — apartments for rent in Dubai (studio ~AED 60,000, 1-bed ~97,000, 2-bed ~135,000 a year)
- Engel & Völkers / Property Monitor — Dubai villa rents May 2026 (3-bed AED 212,220 a year)
- Oliva — DEWA bills explained (2026 summer bill table)
- Real Estate Club Dubai — utilities and monthly bills (Mar 2026: DEWA, water, district cooling, internet, gas, 5% housing fee)
- Khaleej Times — UAE fuel prices October 2026 (Special 95 AED 4.28)
- Yallamotor — Salik with 5% VAT from June 2026 (AED 6.30 peak / 4.20 off-peak)
- iSchoolAdvisor — Dubai international school fees 2026
- WAM — KHDA confirms no fee increase for 2026–27
- StashAway — best fixed deposit rates in the UAE (Aug 2026; FAB 12-month 3.39%)
- Focus Economics — UAE/Dubai inflation July 2026
- CBUAE — EIBOR rates
- Y-Axis — average salary in Dubai (unofficial)
- e& UAE — Home Wireless plans (AED 229 / 299 a month + VAT)
- The National — UAE salary guide 2026 (Michael Page: most roles AED 10,000–40,000 a month)
United Kingdom · 21 sources
- ONS Private rent and house prices, UK: September 2026
- Ofgem energy price cap Oct–Dec 2026 (summarised by Octopus Energy)
- Council Tax levels set by local authorities in England 2026 to 2027 (gov.uk)
- Cost of TV licence fee set for 2026/27 (gov.uk)
- ONS Family spending in the UK: April 2024 to March 2025
- UK CPI August 2026 (Investment Week)
- Moneyfacts easy access savings accounts
- Average credit card interest rate UK (ClearScore, citing Bank of England)
- ONS Price Index of Private Rents, UK: monthly price statistics (16 Sept 2026 dataset)
- ONS Employee earnings in the UK: 2025 (ASHE)
- ONS Average household income, UK: financial year ending 2025
- Income Tax rates and Personal Allowances (gov.uk)
- ONS Family spending workbook 4: expenditure by household characteristic (FYE 2025)
- Ofgem: Changes to energy price cap between 1 October and 31 December 2026
- Ofgem: Energy price cap update from 1 July 2026 (revised TDCV)
- MoneySavingExpert: water bills rise from April 2026 (Water UK figures)
- Weekly road fuel prices (gov.uk)
- DfT NTS0901: Annual mileage of cars (gov.uk)
- Mayor of London MD3464: March 2026 TfL fare changes
- Bus News: Greater Manchester Bee Network simpler fares
- Irish News (PA): holiday clubs cost £1,145 per child (Coram Family and Childcare 2026 survey)
United States · 22 sources
- KFF 2025 Employer Health Benefits Survey (summary)
- Best high-yield savings rates, Oct 2026 (The College Investor)
- BLS Consumer Price Index news release (Sept 2026 data)
- Federal Reserve Bank of Cleveland, Inflation Expectations
- Damodaran, Historical Returns on Stocks, Bonds and Bills 1928-2025 (NYU Stern)
- KFF Employer Health Benefits Survey 2025, Summary of Findings
- BLS Usual Weekly Earnings, Q2 2026 (July 21, 2026)
- Census Bureau, Income in the United States: 2025 (Sept 15, 2026)
- Census Bureau ACS 2024 1-year, median gross rent (table B25064)
- Apartment List National Rent Report, Oct 2026
- Zillow Research, rent reports and Observed Rent Index
- BLS Consumer Expenditures 2024 (news release, Dec 19, 2025)
- FRED / BLS CE: Food at home by size of consumer unit (1, 2, 4 people)
- FRED / BLS CE: Gasoline, other fuels and motor oil by size of consumer unit
- USDA FNS Food Plans: Monthly Cost of Food Reports (2026)
- EIA, Residential Energy Consumption Survey 2020, table CE4.1
- EIA Short-Term Energy Outlook (2026 residential electricity price 18.2 cents/kWh)
- EIA Today in Energy: residential electric bills by state (May 12, 2025)
- AAA Gas Prices
- EIA Today in Energy: 2024 retail gasoline prices (Jan 7, 2025)
- Federal Reserve G.19 Consumer Credit
- Child Care Aware of America, Child Care in America: 2025 Price & Supply