01Set the baseline
Build the monthly core
Start with rent, food, insurance, transport, and your normal monthly pattern before adding anything optional.
02Test the city
Check rent pressure early
Your budget changes faster with city and housing choice than with almost any other line item.
03Add the first month
Include setup and deposits
Arrival costs, security deposits, and first-week spending should sit outside the normal monthly estimate.
04Match the route
Use the number for decisions
Let the budget shape city choice, shortlist depth, and funding expectations before your route becomes expensive.