Cost of Living: India vs Philippines
India is 10% cheaper than Philippines overall. Detailed side-by-side rent, groceries, utilities and monthly budget for 2026.
The verdict: India wins on affordability
India is roughly 10% cheaper than Philippines on the combined COL+Rent index. On a moderate urban lifestyle, this translates to a difference of $179 per month, or about $2,148 per year.
Monthly Budget Comparison
Single-person urban lifestyle at three budget levels. All figures in USD.
| Budget level | India | Philippines | Difference |
|---|---|---|---|
Minimal Suburb rent, no dining out | $307 | $496 | India 38% less |
Sample City rent, ~15 restaurant meals/mo | $497 | $676 | India 26% less |
Comfortable City rent, dining out 25x/mo | $574 | $786 | India 27% less |
Budgets include rent, groceries, utilities, transit pass, and a typical number of restaurant meals per tier.
Line-Item Cost Comparison
Every major monthly expense, side by side.
| Category | India | Philippines |
|---|---|---|
Rent 1-bed, city centre | $280 | $295 |
Rent 1-bed, outside centre | $165 | $190 |
Groceries (monthly) | $95 | $205 |
Mid-range restaurant meal | $5 | $5 |
Transit pass (monthly) | $12 | $11 |
Basic utilities (85m²) | $35 | $90 |
Index Breakdown (NYC = 100)
Individual sub-indices for each category. Lower = cheaper than New York City.
Salary Equivalents
Purchasing-power-adjusted: if you earn X net in the US, how much do you need in India and Philippines to maintain the same lifestyle?
| US net salary | Needed in India | Needed in Philippines |
|---|---|---|
| $50,000/yr | $16,163 | $17,940 |
| $75,000/yr | $24,245 | $26,909 |
| $100,000/yr | $32,327 | $35,879 |
NET (after-tax) purchasing-power equivalents. Gross salary targets depend on each country's tax regime — see the salary comparison page for full tax breakdowns.
Dig Deeper
Combine this cost comparison with tax and salary data for the complete picture.
Cost of Living in India
Full monthly budget & line-item costs for India only.
Cost of Living in Philippines
Full monthly budget & line-item costs for Philippines only.
India vs Philippines Salary
Side-by-side take-home pay at $50K–$200K with 2025 tax brackets.
Salary After Tax in India
Net take-home pay calculator for India.
Salary After Tax in Philippines
Net take-home pay calculator for Philippines.
All 40 Countries — Cost of Living
Sortable leaderboard, affordability tiers, and the salary-equivalence calculator.
Frequently Asked Questions: India vs Philippines
Is India cheaper than Philippines?
India is 10% cheaper than Philippines. The combined Cost of Living + Rent index (NYC = 100) is 18.2 for India vs 20.2 for Philippines. In practical terms, a $676/month lifestyle in Philippines can be matched for roughly $609/month in India.
What is the monthly budget difference between India and Philippines?
A moderate single-person urban budget costs around $497 in India versus $676 in Philippines — a difference of $179/month (26%). The gap grows for comfortable lifestyles: $574 vs $786.
How does rent compare in India vs Philippines?
A 1-bedroom apartment in a city centre costs $280/month in India and $295/month in Philippines. Outside the city centre, rent drops to $165 in India and $190 in Philippines. Rent typically represents 30–50% of a single person's monthly budget in both countries.
How much salary do I need to move from India to Philippines?
If you currently earn $75,000 net in India, you'd need roughly $83,242 net in Philippines to maintain the same lifestyle. If moving the other way (from Philippines to India on a $75,000 net salary), you'd need $67,574 net in India. These are purchasing-power-adjusted amounts — your gross salary target will differ by tax regime.
Which country has higher groceries prices?
Monthly grocery basket for a single person: $95 in India vs $205 in Philippines. A mid-range restaurant meal costs $5 in India vs $5 in Philippines. Grocery prices tend to track closely with overall cost of living.