How to budget for a 3-6 month trip in India
Budget for $35 to $45 USD per day to live comfortably while moving between cities. This covers private rooms, three meals, intercity trains, and local activities without needing to penny-pinch.
- Account for your Indian Visa. Apply for the 180-day e-Tourist visa before you leave. It costs $80 USD and is a non-negotiable upfront cost for long-term travel.
- Budget for regional price differences. The North (Rajasthan, UP) is generally cheaper for food, while the South (Kerala, Goa) and major metros like Mumbai or Bangalore will eat into your daily budget 20% faster.
- Factor in transportation 'lump sums'. Don't just calculate daily spend. Set aside a separate $400 USD 'transit fund' for internal flights or last-minute train upgrades, as these spikes disrupt daily averages.
- Use a local bank card. Get a travel-friendly card (like Charles Schwab or Revolut) to avoid the 3-5% ATM fees every time you withdraw cash, which is still the primary way to pay in India.
- Do I need to carry all my cash in dollars?
- No. Carry about $300 USD in crisp, clean bills for emergency exchange, but rely on ATM withdrawals for your day-to-day rupees.
- Is it cheaper to book trains in advance?
- Yes. Use the IRCTC website or the 'ConfirmTkt' app to book 30-60 days out. Last-minute tickets are often sold out, forcing you to pay for expensive private taxis.
- How much should I tip?
- Tipping is not mandatory but appreciated. Round up your taxi fare or leave 50-100 rupees at a restaurant for good service.