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Should you move abroad? An honest gut-check

Before the paperwork, the harder question: is moving abroad actually right for you? An honest checklist on money, culture, language, mindset, tax and savings.

5 min read Updated August 2026

This is the guide we would hand to anyone before they book a ticket. Moving abroad can be one of the best decisions of your life, but it is not automatically an upgrade. Before any paperwork, it is worth being honest with yourself about a few things. Raghav talks through them from our own experience here.

Not sure where you actually stand? Take the two-minute gut-check below. A short set of honest questions across money, emotions, kids and self-reliance, with a straight readout at the end. Everything is worked out in your browser, so no exact salaries and nothing to sign in for.

2-minute gut-check

Should you actually make the move?

A short set of honest questions across money, emotions, kids and self-reliance, then a straight, personalised readout at the end. No logins, no exact salaries, and your answers never leave your browser.

Financial reality Emotional & lifestyle Kids & education Self-reliance

Be realistic about the money

A bigger salary number abroad is not the same as more money in your pocket. What counts is what is left after tax, rent and everyday costs. Before you get excited about a figure, work out the real, after-tax, after-rent picture. Our cost-of-living guide has a calculator that compares a Hyderabad life with an Amsterdam one.

Are you ready for the culture?

Dutch life is direct, informal and self-reliant. People say what they think, hierarchies are flat, and you do a lot yourself. Add grey winters and being far from family, and it is a real adjustment. None of it is bad, but it helps to arrive expecting it rather than being surprised by it.

The language question

In tech, research and many corporate roles you can start entirely in English. But a little Dutch makes daily life smoother and helps you feel settled rather than like a permanent guest. Be honest about whether you are willing to pick some up over time (see learning Dutch).

Do you have the long-term mindset?

The first few months are often the hardest: lots of admin, a smaller social circle, and everything feeling unfamiliar. People who thrive tend to be moving toward something, a career or a life they want, rather than only running from something. Ask yourself honestly which one you are doing.

Do you understand the tax side?

Tax here works differently from home, and it shapes your real income and your assets. Learn how the 30% ruling and income tax work, and remember you generally declare worldwide assets, so plan the India side too (see NRE & NRO).

Are you moving mainly for savings?

If the whole plan is to save more, run the numbers honestly first. After high rent, tax and daily costs, monthly savings can be smaller than the headline salary suggests, especially in the pricey Randstad. The move can still be right for career or lifestyle reasons, just go in with clear eyes rather than an assumption.

Can you do the small stuff yourself?

Labour is expensive here, so a lot of everyday jobs are do-it-yourself: assembling flat-pack furniture, small home repairs, plenty of cooking and cleaning. If you are used to easy, cheap help at home, budget for the shift or be ready to pick up a screwdriver (and furnish smart, see setting up your home).

Pressure-test the money before you decide

A quick gut-check: compare your city with your target city on Numbeo, then run your own numbers (your age, income, family size and spending style) to see what you would need to earn abroad to keep or improve your lifestyle. Our cost-of-living calculator does the Hyderabad to Amsterdam version.

None of this is to scare you off

Plenty of us are glad we made the move. The point is simple: come for a real reason, with your eyes open, and the odds of thriving go way up. If you have read all this and still want it, you are probably ready. Start with your first 30 days.

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