{"id":337439,"date":"2026-10-21T14:56:32","date_gmt":"2026-10-21T10:56:32","guid":{"rendered":"https:\/\/real-estate-mauritius.mu\/?p=337439"},"modified":"2026-11-15T09:37:37","modified_gmt":"2026-11-15T05:37:37","slug":"moving-to-mauritius-budget-first-90-days","status":"publish","type":"post","link":"https:\/\/real-estate-mauritius.mu\/en\/moving-to-mauritius-budget-first-90-days\/","title":{"rendered":"Moving to Mauritius: how much money you need for the first 90 days"},"content":{"rendered":"<p>A couple should budget \u20ac7,800 to \u20ac10,200 (roughly Rs 427,000 to 562,000) to get through the first three months in Mauritius, rented home included. A family of four should budget \u20ac11,900 to \u20ac16,600 (Rs 652,000 to 912,000), school fees excluded. These totals leave out your flights, the shipping of your belongings and your visa: all three are priced by quote, and they come on top.<\/p>\n<p>The figure that surprises people most is not the rent. It is the <strong>upfront cash<\/strong>: when you sign the lease, you pay out within a few days the equivalent of two to three months&#8217; rent on top of the first month. The rest of this article explains where these amounts come from, what is actually spent and what you will get back.<\/p>\n<div style=\"margin:24px 0;padding:18px 22px;background:#faf9f7;border-left:5px solid #c9a96e;border-radius:10px\">\n<p style=\"margin:0 0 8px;font-weight:700;color:#1d1d1d\">Key points<\/p>\n<ul style=\"margin:0\">\n<li>The budget for the first 90 days = <strong>3 months of everyday living + upfront housing cash + a reserve<\/strong>.<\/li>\n<li>The upfront cash is made of a <strong>refundable security deposit<\/strong> (1 to 2 months&#8217; rent) and, if you go through an agency, <strong>1 month&#8217;s rent + 15% VAT<\/strong> in agency fees, which you do not get back.<\/li>\n<li>A couple typically lives on Rs 110,000 to 140,000 a month, housing included; a family of four on Rs 160,000 to 220,000, school fees excluded.<\/li>\n<li>Exchange rate used here: <strong>\u20ac1 \u2248 Rs 55<\/strong>, a benchmark to check on the day of your transfer.<\/li>\n<\/ul>\n<\/div>\n<h2>What a budget for moving to Mauritius covers, and what it leaves out<\/h2>\n<p>A settling-in budget is not a monthly budget multiplied by three. It is built from four blocks, and only one of them comes back every month.<\/p>\n<div style=\"overflow-x:auto;margin:20px 0\">\n<table style=\"width:100%;border-collapse:collapse;font-size:15px;line-height:1.45\">\n<tr>\n<th style=\"padding:8px;border:1px solid #d9d3c7;background:#ede9e2;text-align:left;font-weight:700;color:#1d1d1d;vertical-align:top\">Block<\/th>\n<th style=\"padding:8px;border:1px solid #d9d3c7;background:#ede9e2;text-align:left;font-weight:700;color:#1d1d1d;vertical-align:top\">What it covers<\/th>\n<th style=\"padding:8px;border:1px solid #d9d3c7;background:#ede9e2;text-align:left;font-weight:700;color:#1d1d1d;vertical-align:top\">Recurring?<\/th>\n<\/tr>\n<tr>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Before departure<\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Flights, luggage or container, travel insurance, visa paperwork<\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">No<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Moving into the home<\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Security deposit, agency fees, first month&#8217;s rent, missing equipment<\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">No<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Everyday living<\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Rent, electricity, internet, food, transport, healthcare, leisure<\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Yes<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Reserve<\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">The unexpected, a late income payment, a first medical bill<\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">No<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Monthly budgets by area are covered in another guide: <a href=\"https:\/\/real-estate-mauritius.mu\/en\/mauritius-expat-budget-2026\/\">the expat budget for Mauritius in 2026<\/a>. Here we deal with <strong>cash flow over the first three months<\/strong>: what needs to be in your account on the day you land.<\/p>\n<h2>Upfront housing cash: the item everyone underestimates<\/h2>\n<p>It is the first large outlay, and it falls due before you have even done your first food shop.<\/p>\n<ul>\n<li><strong>Security deposit<\/strong>: usually one month&#8217;s rent, sometimes two depending on the landlord. Mauritian tenancy law (the Landlord and Tenant Act 1999) sets neither a cap nor an amount: everything is written into the lease. This money is <strong>locked up, not spent<\/strong>: it comes back at the end of the lease, less any damage or unpaid rent.<\/li>\n<li><strong>Agency fees<\/strong>: for a long-term rental, one month&#8217;s rent plus 15% VAT, paid by the tenant (see <a href=\"https:\/\/real-estate-mauritius.mu\/en\/frais-agence-immobiliere-ile-maurice\/\">estate agency fees in Mauritius<\/a>). This money is <strong>spent<\/strong>. If you rent directly from a landlord, the line disappears, and so do the safeguards that come with it: the comparison is in <a href=\"https:\/\/real-estate-mauritius.mu\/en\/renting-mauritius-landlord-or-agent\/\">renting direct or through an agency<\/a>.<\/li>\n<li><strong>First month&#8217;s rent<\/strong>: paid on moving in, and counted under everyday living below.<\/li>\n<\/ul>\n<p>Example with a flat at Rs 45,000 a month:<\/p>\n<div style=\"overflow-x:auto;margin:20px 0\">\n<table style=\"width:100%;border-collapse:collapse;font-size:15px;line-height:1.45\">\n<tr>\n<th style=\"padding:8px;border:1px solid #d9d3c7;background:#ede9e2;text-align:left;font-weight:700;color:#1d1d1d;vertical-align:top\">Item<\/th>\n<th style=\"padding:8px;border:1px solid #d9d3c7;background:#ede9e2;text-align:left;font-weight:700;color:#1d1d1d;vertical-align:top\">Calculation<\/th>\n<th style=\"padding:8px;border:1px solid #d9d3c7;background:#ede9e2;text-align:left;font-weight:700;color:#1d1d1d;vertical-align:top\">Amount<\/th>\n<th style=\"padding:8px;border:1px solid #d9d3c7;background:#ede9e2;text-align:left;font-weight:700;color:#1d1d1d;vertical-align:top\">Refunded?<\/th>\n<\/tr>\n<tr>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Security deposit<\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">1 to 2 months<\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Rs 45,000 to 90,000<\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Yes<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Agency fees<\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">1 month + 15%<\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Rs 51,750<\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">No<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\"><strong>Upfront cash, first month&#8217;s rent excluded<\/strong><\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\"><\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\"><strong>Rs 96,750 to 141,750<\/strong><\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\"><\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>In other words, with a rent of Rs 45,000 you tie up between Rs 142,000 and 187,000 at signing (3.15 to 4.15 months&#8217; rent), first month included. To place your own case, here are the starting rents: a two-bedroom flat on the coast runs around Rs 35,000 to 50,000, a three-bedroom house with a garden around Rs 55,000 to 100,000, according to the market benchmarks published in our guide (these are observed rents, not official averages).<\/p>\n<h2>Budget for the first three months: couple and family<\/h2>\n<p>The living budgets below come from our <a href=\"https:\/\/real-estate-mauritius.mu\/en\/cost-of-living-mauritius-vs-france\/\">cost-of-living guide for Mauritius<\/a>: a couple without children typically lives on Rs 110,000 to 140,000 a month, housing included; a family of four on Rs 160,000 to 220,000, school fees excluded. Since rent is already in those figures, <strong>only the upfront cash (deposit + agency) is added on top<\/strong>.<\/p>\n<div style=\"overflow-x:auto;margin:20px 0\">\n<table style=\"width:100%;border-collapse:collapse;font-size:15px;line-height:1.45\">\n<tr>\n<th style=\"padding:8px;border:1px solid #d9d3c7;background:#ede9e2;text-align:left;font-weight:700;color:#1d1d1d;vertical-align:top\"><\/th>\n<th style=\"padding:8px;border:1px solid #d9d3c7;background:#ede9e2;text-align:left;font-weight:700;color:#1d1d1d;vertical-align:top\">Couple (rent Rs 45,000)<\/th>\n<th style=\"padding:8px;border:1px solid #d9d3c7;background:#ede9e2;text-align:left;font-weight:700;color:#1d1d1d;vertical-align:top\">Family of 4 (rent Rs 80,000)<\/th>\n<\/tr>\n<tr>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Everyday living, 3 months<\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Rs 330,000 to 420,000<\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Rs 480,000 to 660,000<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Security deposit (1 to 2 months)<\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Rs 45,000 to 90,000<\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Rs 80,000 to 160,000<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Agency fees (1 month + VAT)<\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Rs 51,750<\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Rs 92,000<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\"><strong>90-day total<\/strong><\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\"><strong>\u2248 Rs 427,000 to 562,000<\/strong><\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\"><strong>\u2248 Rs 652,000 to 912,000<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">In euros (\u20ac1 \u2248 Rs 55)<\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\"><strong>\u2248 \u20ac7,800 to \u20ac10,200<\/strong><\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\"><strong>\u2248 \u20ac11,900 to \u20ac16,600<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Of which locked up (deposit)<\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Rs 45,000 to 90,000<\/td>\n<td style=\"padding:8px;border:1px solid #d9d3c7;text-align:left;vertical-align:top\">Rs 80,000 to 160,000<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>For a single person, the budget sits below the couple&#8217;s, mainly because the rent is lower. We do not publish a figure for this profile: the gap depends too much on the area and on whether you run a car.<\/p>\n<p><strong>Add a reserve<\/strong>: one extra month of everyday living is a prudent margin (a rule of thumb, not a rule). It absorbs the first month when a salary or pension transfer arrives late, or a medical bill before the insurer reimburses you.<\/p>\n<h2>What these totals leave out, and how to price it<\/h2>\n<p>Four items depend on your own situation. Get a quote for each before you leave: they can move the total by several thousand euros.<\/p>\n<ol>\n<li><strong>Flights and luggage<\/strong>, for every member of the household. Direct routes from Europe are detailed in <a href=\"https:\/\/real-estate-mauritius.mu\/en\/direct-flights-europe-mauritius\/\">flights to Mauritius from Europe<\/a>.<\/li>\n<li><strong>Shipping your belongings<\/strong>: a container does not always pay off. Compare its cost with buying again locally, especially if you rent furnished (see <a href=\"https:\/\/real-estate-mauritius.mu\/en\/furnished-unfurnished-rental-mauritius\/\">furnished or unfurnished<\/a>).<\/li>\n<li><strong>Visa and permits<\/strong>: the conditions and documents are in our guides to the <a href=\"https:\/\/real-estate-mauritius.mu\/en\/mauritius-premium-visa-benefits-procedures\/\">Premium Visa<\/a> and to <a href=\"https:\/\/real-estate-mauritius.mu\/en\/mauritius-visas-residence-permits\/\">the Occupation Permit and residence permits<\/a>.<\/li>\n<li><strong>Health insurance<\/strong>: the premium depends on age, ceiling and options. Ballpark costs of care (GP \u20ac25 to \u20ac40, specialist \u20ac45 to \u20ac90, private hospital stay \u20ac220 to \u20ac550 a day, from observed examples) are in our <a href=\"https:\/\/real-estate-mauritius.mu\/en\/expat-health-insurance-mauritius\/\">comparison of health insurance for expats<\/a>.<\/li>\n<\/ol>\n<p>For a family, school fees come on top. They vary widely from one school to another: ask the school directly.<\/p>\n<h2>Your spending timeline, day by day<\/h2>\n<p>The budget is paid out in a set order. Knowing it stops you running short at the wrong moment.<\/p>\n<p><strong>60 to 30 days before departure<\/strong><\/p>\n<ul>\n<li>Flights and travel insurance.<\/li>\n<li>Visa file: bank statements, proof of income, accommodation letter. For the Premium Visa, the accommodation letter can be a hotel booking, a rental contract or a letter of invitation.<\/li>\n<li>Quotes for shipping and health insurance.<\/li>\n<\/ul>\n<p><strong>The last week<\/strong><\/p>\n<ul>\n<li>Change a small amount into rupees for the first week: transport from the airport, groceries, a <a href=\"https:\/\/real-estate-mauritius.mu\/en\/sim-card-esim-mauritius\/\">SIM card<\/a>.<\/li>\n<li>Tell your bank you will be spending abroad and ask what <a href=\"https:\/\/real-estate-mauritius.mu\/en\/paying-in-mauritius-card-atm-juice-cash\/\">a rupee withdrawal with your card<\/a> will cost.<\/li>\n<\/ul>\n<p><strong>Week 1: transitional accommodation<\/strong><\/p>\n<p>Book a short-term rental for the first 2 to 4 weeks. It is the best insurance against a lease signed too fast. Look for your permanent home <strong>on the spot<\/strong>, by visiting. The <a href=\"https:\/\/real-estate-mauritius.mu\/en\/rental-search-mauritius\/\">timeline of a rental search<\/a> walks through the scenarios according to your arrival date.<\/p>\n<p><strong>Weeks 2 to 4: signing the lease<\/strong><\/p>\n<p>This is when the upfront cash falls due (deposit, agency, first month&#8217;s rent). Allow as well for home insurance, the utility contracts (electricity, water, internet) and whatever is missing from the home. For internet, my.t charges Rs 1,225 a month for 50 Mbps fibre and Rs 1,525 for 100 Mbps (prices checked on 1 October 2026). Electricity runs from Rs 2,000 to 9,000 a month depending on how much you use the air conditioning (market benchmark).<\/p>\n<p><strong>Months 2 and 3: cruising speed<\/strong><\/p>\n<p>Spending settles around the monthly budget for your profile. This is the time to open a local account if you have not done so yet (<a href=\"https:\/\/real-estate-mauritius.mu\/en\/banking-in-mauritius-expats\/\">opening a bank account in Mauritius<\/a>) and to decide about a car, the biggest item after housing in areas with little public transport (<a href=\"https:\/\/real-estate-mauritius.mu\/en\/getting-around-mauritius\/\">getting around Mauritius<\/a>).<\/p>\n<h2>Five mistakes that blow a settling-in budget<\/h2>\n<ol>\n<li><strong>Multiplying the monthly budget by three<\/strong> and forgetting the upfront cash.<\/li>\n<li><strong>Paying a deposit before you have visited<\/strong>: it is the most common set-up in fake listings (see <a href=\"https:\/\/real-estate-mauritius.mu\/en\/property-scams-mauritius-fake-seller-bank-transfer\/\">property scams in Mauritius<\/a>).<\/li>\n<li><strong>Choosing the area from the listing<\/strong> rather than from daily life: between the north coast, the west coast and the central plateau, the gap is as much about the car and the air conditioning as about the rent (<a href=\"https:\/\/real-estate-mauritius.mu\/en\/rental-area-mauritius-profile\/\">where to rent according to your profile<\/a>).<\/li>\n<li><strong>Counting school fees in the monthly budget<\/strong> when they are paid per term or at enrolment.<\/li>\n<li><strong>Forgetting that the deposit is locked up<\/strong>: it counts in the cash flow of the first months, even though you will get it back.<\/li>\n<\/ol>\n<h2>Frequently asked questions<\/h2>\n<h3>What is the minimum budget to settle in Mauritius?<\/h3>\n<p>There is no official minimum. For a couple, allow around \u20ac7,800 to \u20ac10,200 over three months, rent and upfront cash included, excluding travel, visa and shipping. A lower rent, in the centre of the island, cuts this total but often increases the need for a car.<\/p>\n<h3>Do you really have to pay three months&#8217; rent upfront?<\/h3>\n<p>Most of the time, you pay two to three months&#8217; rent in advance on top of the first month: one or two months as a security deposit, and one month in agency fees if you go through an agency. Only the deposit comes back to you.<\/p>\n<h3>Can you arrive without a home and search locally?<\/h3>\n<p>Yes, and it is the recommended way: take a short-term rental for the first few weeks, visit, then sign. Avoid committing money to a home that nobody you trust has visited.<\/p>\n<h3>What budget for a family with children?<\/h3>\n<p>Between Rs 160,000 and 220,000 a month, school fees excluded, which is \u20ac11,900 to \u20ac16,600 over three months with the upfront cash included. Ask each school for its fees.<\/p>\n<h3>Does the Premium Visa require a minimum budget?<\/h3>\n<p>It requires proof of income of at least USD 1,500 a month per adult and USD 500 per dependent child, plus three months of bank statements (Economic Development Board). These thresholds belong to immigration; they are not a living budget.<\/p>\n<h2>Preparing your arrival with Westimmo<\/h2>\n<p>The upfront cash depends on the rent, so on the property. Westimmo shows you <a href=\"https:\/\/real-estate-mauritius.mu\/en\/long-term-rental-mauritius\/\">long-term rentals in Mauritius<\/a> with the fees itemised as soon as we put you in touch. Tell us your arrival date, your monthly budget and your two or three preferred areas: we come back to you with the matching properties. For a first outline of the project, start with our <a href=\"https:\/\/real-estate-mauritius.mu\/en\/living-mauritius-guide-expatriation\/\">guide to expatriation<\/a>.<\/p>\n<h2>Sources and checks<\/h2>\n<ul>\n<li>Rents and monthly budgets: market benchmarks published in our guides <a href=\"https:\/\/real-estate-mauritius.mu\/en\/mauritius-expat-budget-2026\/\">expat budget<\/a> and <a href=\"https:\/\/real-estate-mauritius.mu\/en\/cost-of-living-mauritius-vs-france\/\">cost of living in Mauritius<\/a>, not official figures.<\/li>\n<li>Security deposit: Landlord and Tenant Act 1999 (Mauritius Legal Information Institute), which sets neither an amount nor a cap.<\/li>\n<li>Agency fees: market practice, one month&#8217;s rent + 15% VAT for a long-term rental.<\/li>\n<li>Premium Visa: Economic Development Board, Premium Visa FAQ.<\/li>\n<li>Internet: my.t prices checked on 1 October 2026.<\/li>\n<li>Exchange rate: \u20ac1 \u2248 Rs 55, indicative; check the Bank of Mauritius rate on the day of your transfer.<\/li>\n<li>Calculations: every total in the table can be recomputed from the lines above.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>How much cash do you need on landing in Mauritius? The first 90 days costed for a couple and a family of four, in rupees and euros, spent versus locked up.<\/p>\n","protected":false},"author":1,"featured_media":337440,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_meta-robots-noindex":"","footnotes":""},"categories":[2225,1505],"tags":[],"class_list":["post-337439","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-moving-to-mauritius","category-our-advice"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.9 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Moving to Mauritius: how much money you need for the first 90 days - Westimmo<\/title>\n<meta name=\"description\" content=\"How much cash do you need on landing in Mauritius? 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