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DLS Sep 2026 · CBC 2026 Q2

Calculators

Moving to Cyprus budget planner

A first-year budget from your own figures plus the charges Cyprus law fixes. No Cyprus authority publishes a typical cost of living, so the planner does not fill in rents, prices or bills for you.

Rates read on 5 official sourcesNo figure is stored or sent anywhere

Sets the GESY health contribution rate. An employer pays its own 2.90% on top of the employee share.
GESY is charged on up to €180,000 a year of combined income.
Rent or mortgage repayment. The network publishes no rent figure.
Electricity, water, internet, phones.
School fees and transport, if any.
Private health top-up, home, car.
Car costs, fuel, public transport.
Food, household and personal spending.
Shipping, flights, temporary accommodation.
Deposit, fees on a lease, furniture.
Car purchase, translations, certified copies.

First-year budget

€20

Enter your own figures on the left.

First-year budget: €20. Enter your own figures on the left.

Indicative only. Not a quote. Rates change: confirm with the Department of Lands and Surveys and the Tax Department before you act.

Monthly costs × 12€0 a month, your figures
€0
One-off costsYour figures
€0
GESY contribution2.65% of €0, Law 89(I)/2001 s.19(1)
€0
EU registration certificateFee set by Law 7(I)/2007
€20
First-year total
€20
Assumptions and sources (10)

These are the rules as read on .GESY rates from section 19(1) of Law 89(I)/2001; EU registration certificate fee from Law 7(I)/2007; stamp duty abolished from 1 January 2026 (Law 239(I)/2025).

  1. GESY contributions: 2.65% for employees (the employer pays a further 2.90%), 4.00% for the self-employed, 2.65% on pensions and on other income such as rent, charged on no more than €180,000 of combined income a year.1
  2. EU, EEA and Swiss citizens staying more than three months register within four months of arrival; the registration certificate costs €20.2
  3. Residence permit fees for third-country nationals depend on the permit category and are not included.3
  4. If you buy, the Department of Lands and Surveys charges €50 to deposit the contract of sale. Stamp duty no longer applies to documents signed from 1 January 2026.45
  5. Every other line is your own estimate. Income tax, social insurance and municipal charges are not included.

Sources for these rates

5 sources from 3 publishers. Every figure on this page is traceable to one of them.

  1. General Healthcare System Law 89(I)/2001, section 19

    CyLawcylaw.orgRead 31 October 2026

    Register

  2. Law 7(I)/2007 on the right of Union citizens to move and reside freely

    CyLawcylaw.orgRead 31 October 2026

    Register

  3. Aliens and Immigration Law, Cap. 105

    CyLawcylaw.orgRead 31 October 2026

    Register

  4. Contract of sale: deposit of the contract

    Department of Lands and Surveysportal.dls.moi.gov.cyRead 31 October 2026

    Official statistics

  5. Stamp duty: abolition from 1 January 2026, Law 239(I)/2025

    Tax Departmentgov.cyRead 31 October 2026

    Register

This page explains the general rules as published by the Cyprus authorities on the date shown. Rates, thresholds and procedures change, and your position depends on facts this page does not know. It is information only, not legal, tax or financial advice. Before you act, confirm the figures with the Tax Department or the Department of Lands and Surveys and take advice from a lawyer registered with the Cyprus Bar Association or a licensed accountant.