Cost of Living in Ubud

Ubud, Indonesia is one of the cities IndepAI tracks for digital nomads chasing financial independence. At about $750 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 $300 a month, well below what most cities on our list charge. For our reference profile that translates into reaching financial independence in about 2.1 years, one of the quicker timelines we see.

Safety is about average for the region, fine for most people with the usual sensible precautions. Connection speeds sit near 30 Mbps, enough for everyday remote work and most calls. The climate is one of the draws here, rating well for year-round comfort.

The idea behind geo-arbitrage is simple: earn at a higher-cost standard and spend at Ubud prices, and that gap is what shortens your path to financial independence.