Practical Budget Guide

Cost of Living in the Netherlands

Living costs in the Netherlands vary a lot by city and housing type. As a realistic estimate, international students typically spend about €1,000 – €1,500 per month on living expenses (excluding tuition fees).

Typical Monthly Budget

A useful benchmark based on Dutch student-budget data — this is a benchmark, not a promise

Rent

~€575

Groceries

~€250

Study books/materials

~€40

Transport

~€70

Leisure/sports

~€240

Health insurance (if working)

~€140

Rent Is the Biggest Variable

Your rent can easily be much higher in big cities. A room typically costs €450 – €1,000/month depending on the city and what's included. In Amsterdam, expect €650 – €1,200/month for accommodation.

Housing Costs (the Biggest Variable)

If you choose a studio or private apartment, your monthly total can rise sharply — especially in big cities

Student Room (Nationwide)

€450 – €1,000/month

Depending on the city and what (utilities) is included. Shared facilities are common and more affordable.

Amsterdam

€650 – €1,200/month

Amsterdam is the most expensive student city. Studios and private apartments cost even more.

City Examples

University estimates show how much costs can differ between cities

UvA

Amsterdam

€975 – €1,500/month

Includes rent, excludes tuition

  • Accommodation: €650 – €1,200
  • Living expenses: €400 – €500
  • Insurance: €35 – €100
  • Books: €50 – €100
  • Transport: €40 – €100
RUG

Groningen

€800 – €1,000/month

Includes rent, excludes tuition

  • Housing (incl. energy): €750 – €900

One-Time & Hidden Costs

Don't forget these extras when planning your budget

IND residence permit fee

often €254 (one-time)

Your university may collect this on your behalf

Deposit and setup costs

Varies

Deposit, first month's rent, basic furniture, bike, municipality registration-related expenses depending on your situation

Visa Financial Requirement

IND "study norm" for student residence permits

2026 Requirement

€1,130.77

per month (tuition fees not included)

For the Dutch student residence permit (HBO/WO), you must prove you have sufficient funds to cover living costs. This amount is set annually by the IND.

View official IND 2026 fees and required amounts

Practical Tips to Keep Costs Down

Prioritise housing early

The cheapest budget plan fails if you can only find a high-rent option last minute.

Choose your city strategically

Smaller student cities can be significantly cheaper than Amsterdam.

Bike first, public transport second

Cycling is the most cost-effective daily transport for most students.

Need Help Planning Your Budget?

We help international students plan realistic budgets, find affordable housing, and meet visa financial requirements — so there are no surprises when you arrive.

  • Personalised budget plan based on your city and lifestyle
  • Housing search strategy and timeline guidance
  • Visa financial proof preparation and documentation
  • City comparison to find the best fit for your budget
  • Hidden cost checklist so nothing catches you off guard

Official Resources

Bookmark these for your budget research

IND 2026 Fees & Amounts

Official visa financial requirements

Frequently Asked Questions

International students typically spend about €1,000 – €1,500 per month on living expenses (excluding tuition fees). This varies significantly by city — Amsterdam is the most expensive, while smaller cities like Groningen or Enschede are considerably cheaper. The biggest variable is housing, which can range from €450 to €1,200 per month.
Smaller university cities tend to be the most affordable. Groningen, for example, estimates total monthly costs at €800 – €1,000 (excluding tuition), compared to Amsterdam's €975 – €1,500. Housing is the biggest cost difference between cities.
For 2026, the IND requires proof of €1,130.77 per month in living costs (the 'study norm'). This does not include tuition fees, which must be shown separately. You'll typically need to prove you have this amount available for the full duration of your programme or at least one year.
Yes, Amsterdam is the most expensive student city in the Netherlands. The University of Amsterdam (UvA) estimates monthly costs at €975 – €1,500, with accommodation alone costing €650 – €1,200. If budget is a concern, consider universities in smaller cities which can be significantly cheaper.
A student room typically costs €450 – €1,000 per month, depending on the city and what's included. In Amsterdam, expect €650 – €1,200. Studios and private apartments cost more. The national benchmark is around €575 per month, but availability and location heavily influence actual costs.
Groceries for a student typically cost around €250 per month based on the national benchmark. Cooking at home is generally cheaper than eating out.