Congratulations! You’ve landed a tech position in Europe through a recruitment agency or direct application. Whether you’re heading to jobs in Germany, jobs in Poland, or another exciting EU destination, the financial planning for your relocation can feel overwhelming. Let’s break down everything you need to budget for to ensure your move goes smoothly without breaking the bank.
Before You Leave: Pre-Departure Costs
Many costs hit before you even board your flight. Working with a staffing agency in EU countries sometimes means they cover certain expenses, but often you’ll handle these yourself. Plan ahead to avoid financial surprises.
Visa and Documentation (€200-€800)
Non-EU citizens need work visas or permits. Costs vary dramatically by country and visa type. Blue Card applications typically cost €100-€200, while national work permits might be more. Don’t forget document translations, notarization, and apostille services, which can add €200-€400. Some recruitment agencies in Europe cover these costs as part of relocation packages, so always ask.
Travel Expenses (€100-€1,500)
Flight costs depend on your origin and destination. Budget flexibly based on whether you need one-way or round-trip tickets. Consider whether you’ll make preliminary apartment-hunting trips. Many people securing jobs in EU locations visit beforehand to view apartments and get oriented, which doubles travel costs.
Shipping and Moving (€500-€3,000)
Are you bringing your life in suitcases or shipping containers? Air freight costs €5-€10 per kilogram. Sea freight for larger shipments can cost €1,000-€3,000 depending on volume and distance. Many tech professionals relocating for jobs in Poland or Germany choose to sell bulky items and buy new furniture locally, shipping only essentials.
Initial Housing Costs: The Biggest Expense
Housing costs typically represent your largest initial financial outlay. Understanding local rental markets helps you budget accurately.
| City | Security Deposit | First Month Rent | Total Upfront |
| Berlin, Germany | €2,400 | €1,200 | €3,600 |
| Warsaw, Poland | €1,600 | €800 | €2,400 |
| Amsterdam, Netherlands | €3,600 | €1,800 | €5,400 |
| Barcelona, Spain | €2,000 | €1,000 | €3,000 |
Note: Figures represent typical one-bedroom apartments in central areas. Security deposits usually equal 2-3 months rent.
Many countries require proof of funds showing you can cover these upfront costs plus several months of living expenses. Some staffing agencies in Europe offer relocation allowances covering these initial housing costs, so negotiate this during your job offer.
Setting Up Your New Life: Essential Services
Beyond housing, you’ll need various services activated. Budget for these setup costs:
• Health Insurance Registration (€0-€300): While often deducted from salary, initial registration sometimes requires upfront payment
• Bank Account Opening (€0-€50): Most banks offer free accounts, but some require minimum deposits or charge setup fees
• Phone and Internet (€50-€150): Setup fees plus first month service charges. Internet installation sometimes costs extra
• Utilities Deposits (€100-€300): Electricity and gas providers may require security deposits from new customers
• Residence Registration (€10-€50): Required in most EU countries within days of arrival
Furnishing Your Apartment
European apartments often come unfurnished or only partially furnished. Jobs in Germany particularly often mean finding apartments without kitchens. Your furniture budget depends heavily on whether you find furnished or unfurnished housing.
Furnished Apartment: Expect to pay €200-€400 more monthly but avoid €2,000-€5,000 in furniture costs
Unfurnished Apartment: Budget €2,500-€5,000 for basics including bed, desk, chair, kitchen appliances, and household items. IKEA becomes your best friend. Many expats working jobs in Poland or elsewhere buy used furniture from other relocating expats.
First Month Living Expenses
Until your first paycheck arrives, typically 4-6 weeks after starting work, you’ll need cash reserves. Budget for these monthly costs:
• Groceries: €250-€400 depending on city and eating habits
• Transportation: €50-€100 for monthly public transport passes
• Dining and Entertainment: €200-€400 for exploring your new city
• Personal Care and Miscellaneous: €100-€200 for toiletries, household supplies, and unexpected needs
• Emergency Buffer: €500-€1,000 for unexpected costs
Total Budget Breakdown
Here’s a comprehensive view of what you’ll need financially for relocating to an EU tech hub:
| Expense Category | Estimated Range |
| Pre-Departure Costs | €800 – €5,300 |
| Initial Housing (Deposit + First Month) | €2,400 – €5,400 |
| Essential Services Setup | €160 – €800 |
| Furnishing (if unfurnished) | €0 – €5,000 |
| First Month Living Expenses | €1,100 – €2,100 |
| TOTAL ESTIMATED COST | €4,460 – €18,600 |
Most relocations fall in the €6,000-€12,000 range depending on city, housing choice, and relocation package.
Negotiating Relocation Packages
Many companies offering jobs in EU locations provide relocation assistance, especially when working through a recruitment agency in Europe. Common relocation benefits include flight reimbursement, temporary housing for 2-4 weeks, visa cost coverage, moving expense allowance of €2,000-€5,000, and assistance finding permanent housing.
Don’t be shy about negotiating. Companies recruiting internationally understand relocation is expensive. A staffing agency get-talent.eu in EU countries can often advocate for better relocation packages on your behalf. Get everything in writing, including what expenses are covered, reimbursement processes, and whether you need to repay anything if you leave within a certain timeframe.
Money-Saving Tips
• Start with Furnished Temporary Housing: Use Airbnb or corporate housing for your first month while apartment hunting
• Join Expat Groups: Facebook groups for your city often have furniture, kitchen equipment, and other items from people relocating out
• Shop Second-Hand: Check local marketplaces and thrift stores before buying everything new
• Time Your Move Strategically: Moving at month-end means you might need to bridge housing costs. Starting mid-month can give you more flexibility
• Research Free or Low-Cost Activities: Exploring your new city doesn’t need to drain your savings
Emergency Fund Essentials
Beyond your relocation budget, maintain an emergency fund covering 3-6 months of expenses in your home country currency. International moves involve unpredictable costs. Equipment might arrive damaged, apartments might have hidden issues, or you might need emergency travel home. Having this buffer prevents financial stress during your adjustment period.
Moving to an EU tech hub for your career is exciting and worthwhile, but proper financial planning prevents it from becoming overwhelming. Whether your new employer or a staffing agency assists with relocation or you’re managing everything independently, this checklist helps you budget accurately and avoid financial surprises. Take time to research your specific destination city, negotiate the best relocation package possible, and maintain healthy financial cushions. With proper preparation, you’ll arrive ready to focus on your new job and enjoy your European adventure!
References
1. Numbeo – Cost of Living Database
2. European Commission – Living and Working in EU Countries
3. Expatica – Moving to Europe Guide
4. InterNations – Expat Cost of Living Index