International Cost of Living Calculators

We provide international cost of living and hardship data so that you can create reports online (24X7) using any of the calculators:

Expat Salary: Detailed international cost of living and salary comparison.

Cost of Living Comparison: Determines allowance based on cost of living difference.

International Cost of Living Index: COLI's for multiple locations using home base.

International Assignment: Global Mobility using build-up approach.

Hypothetical Tax: Effective tax rate for any country in the world.

Register Now
Mobility Calculators

Do you need a Cost of Living Comparison Calculator?

The global cost of living calculators have been created to compare the cost of living in every country and major city in the world, to help you manage short and long term assignments (page down for a description of each cost of living calculator):

Cost of Living Allowance
Cost of Living Index
International Assignment Management
Salary Purchasing Power Parity
Hypothetical Tax Calculator
Register Now

International Cost of Living Calculator Pricing

7 Day Subscription = $39 USD$ per location (minimum of 2 locations required)

Annual Subscription = $89 USD$ per location (minimum of 2 locations required)

See below for full details

No more waiting

Reports within minutes

Register Now
Articles & Rankings

Cost of Living Articles and Rankings

-International City Cost of Living Rankings

-Regional Cost of Living Rankings (Africa;
America; Asia Pacific; Europe; Middle East)

-Latest Inflation Rates around the world

-Latest Personal Income Tax Rates

-Cost of Living Rankings by Basket

-Articles related to cost of living
and expatriate life

Register Now
Cost of Living Reviews

Cost of Living Reviews by City and Country for 780 International Locations

Use the map below or page down


International Cost of Living Help

Use our search box OR
look for your question in the list below

Is your question not here?

Email it to us at:


and we will get back to you

Register Now
Zambia, All Areas

Zambia, All AreasZambia is in Southern Africa, east of Angola. The climate is tropical, modified by altitude and the rainy season (October to April).

The official language is English. Bemba and Njanja are the other most commonly understood languages. The main religions are Christianity, indigenous beliefs, Hinduism and Islam.

The Zambian economy has historically been based on the copper mining industry. Output of copper had declined over a period of 30 years due to lack of investment, low copper prices, and uncertainty over privatisation. However following privatisation of the industry, copper production has rebounded. The Zambian government is pursuing an economic diversification programme to reduce the economy's reliance on the copper industry.

Expatriate business dress is typically conservative in the form of a lightweight suit or equivalent.

The security risk for expatriates in Zambia is medium. Risks include petty and opportunistic theft, violent crime, including armed robbery and carjacking.

The currency of Zambia is the Zambian Kwacha (ZMW). ATMs are available in Lusaka and some major towns but may not accept all cards. Major credit cards are increasingly accepted by larger shops, hotels, restaurants and tour operators.

Medical facilities are poor, especially in rural areas. Emergency services are limited. There have been a cholera outbreaks reported. The HIV prevalence rate is very high.

The population of Zambia is 16.6 Million (2019 est.), while the inflation rate (CPI) is 8.8% for Zambia as at July 2019.

Xpatulator Hypothetical Tax for Zambia is based on the current personal income tax rates which are progressive up to 37.5%.

Cost Of Living

The cost of living for expatriates / professional migrants in Zambia as at 1 July 2019 is average in comparison to other places in the world.

In Zambia, the cost of each basket, based on local prices, compared to the international average, is categorized follows (Exact cost of living percentages only available in personalised reports):
1) Alcohol (where available) & Tobacco: Very Low
2) Clothing: Very Low
3) Communication: High
4) Education: Very Low
5) Furniture & Appliances: Average
6) Groceries: Very Low
7) Healthcare: Average
8) Household Accommodation: Very High
9) Miscellaneous: Low
10) Personal Care: High
11) Recreation & Culture: Low
12) Restaurants Meals Out and Hotels: Low
13) Transport: Average

Zambia is for example -27.4% cheaper than USA for groceries, 54.2% more expensive for household costs than UK, and 94.9% more expensive for transport costs than India.

Zambia is ranked as a extreme hardship location.

The hardship premium for Zambia for an expat from Australia, is for example 30%, i.e. host location (Zambia) premium of 40% minus home (Australia) location premium of 10%.

Want to know more about cost of living, hardship (quality of living) or expat salary in Zambia? Register subscribe to your home location and Zambia and run your personalised reports.