Category,Lean Nomad,Comfortable Nomad,Retiree,Notes
Housing,300,500,700,Inner / Mid / Outer layer
Utilities,50,80,100,Electricity + Water + Internet
Food,200,350,500,Street / Mix / Restaurant
Transport,50,80,120,Motorbike / Grab+Taxi / Taxi primary
Coworking / Cafe,0,80,80,Cafe only / DNC / DNC or cafe
Insurance,80,200,350,SafetyWing / Mid-tier / Premium+evacuation
Visa / Admin,30,50,50,E-visa amortized / Extensions
Entertainment,50,100,200,Local / Day trips / Spa+Ba Na Hills
Buffer / Misc,50,100,150,Unexpected expenses
TOTAL,810,1540,2250,Monthly USD
,,,,
Weekly Breakdown (Comfortable),,,,
Housing per week,125,125,125,Monthly - 4
Food per week,87.50,87.50,87.50,
Transport per week,20,20,20,
Coworking per week,0,20,20,
Insurance per week,20,20,20,
Entertainment per week,25,25,25,
Weekly total,277.50,277.50,277.50,
,,,,
Startup Costs (Month 1),,,,
Hotel (4 nights),120,140,180,San Marino / Balcona
SIM card + data,5,5,5,Viettel 30-day
E-visa,25,25,25,Single entry
Motorbike deposit,0,50,0,If renting monthly
Apartment deposit,300,500,700,1 month rent
First month rent,300,500,700,
Basic supplies,20,30,40,Toiletries adapters etc
TOTAL STARTUP,770,1250,1630,Before you earn a dime
,,,,
Notes,,,,
All figures USD. VND rates fluctuate; pad 10 percent for exchange variance.,,,,
Lean Nomad assumes studio Inner Layer + street food + motorbike.,,,,
Comfortable assumes 1BR Mid Layer + mixed dining + DNC.,,,,
Retiree assumes 1BR Outer Layer + restaurants + premium insurance.,,,,
Add 10-15 percent buffer for unexpected costs in first 90 days.,,,,