Cambodia
Cost data: Numbeo / Eurostat. Last reviewed 2026-07-06.
A deterministic cost-only timeline for the reference profile in Phnom Penh, not an after-tax or eligibility-adjusted result:
25x annual expenses for the reference profile in Phnom Penh
Excludes taxes and treaties, visa eligibility and costs, FX, local inflation, and sequence-of-returns risk.
Phnom Penh, Cambodia is one of the cities IndepAI tracks for people comparing cost of living with their retirement plan. At about $950 a month, it sits among the most affordable bases on our list, which leaves plenty of room to save. Rent is one of the biggest levers here, averaging about $350 a month, well below what most cities on our list charge. For our reference profile that translates into reaching financial independence in about 2.8 years, one of the quicker timelines we see.
Safety scores run below average, so it pays to research neighbourhoods before committing to a long stay. Internet is on the slower side at about 25 Mbps, so check a specific apartment or coworking space before you rely on it. The climate is a mixed bag across the seasons, pleasant for part of the year and less so the rest.
The idea behind geo-arbitrage is simple: earn at a higher-cost standard and spend at Phnom Penh prices, and that gap is what shortens your path to financial independence.
Based on the typical cost of living in Phnom Penh, Cambodia, a comfortable budget works out to around $950 per month. Using the standard 25x rule, that points to an FI number of about $285,000, though your own lifestyle and spending will shift this figure.
Phnom Penh is worth comparing on cost of living, healthcare, safety, connectivity and residency options. Whether it fits depends on your budget and circumstances, so weigh the reference monthly cost of around $950 against your own plan.
A single person can expect to spend roughly $950 per month in Phnom Penh, Cambodia, covering housing, food, transport, and everyday essentials. Costs vary with neighbourhood and lifestyle, so treat this as a baseline.
If you are aiming for the lifestyle that Phnom Penh supports, reaching financial independence there takes roughly 2.8 years at your current savings rate. Raising how much you save each year is the fastest way to shorten that timeline.
The tax questions that actually move your FIRE date in Cambodia: how your investments and income are taxed.
Capital gains taxed at 20% flat rate
Source · as of 2026-07-05
Informational only: not tax or legal advice. Tax rules change and depend on your residency; verify with an official source or a qualified advisor before relocating.
Your AI Agent
It can organize cost data and the facts to verify. It does not prove tax treatment or visa eligibility without your inputs and current primary sources.
