Living Alone, With Flatmates or in a PG: The Real Monthly Cost Compared
Rent is only one line. A worksheet that adds deposits, setup costs, food, utilities, help and commute so you can compare a solo flat, a shared flat and a PG honestly.
A PG often looks expensive next to a room in a shared flat, and a solo 1BHK looks like a luxury. Once you add food, utilities, help, furnishing and commute, the gaps change. Compare the full monthly cost and the upfront cost separately.
The upfront cost
- PG or co-living: usually a smaller deposit and a furnished room — minimal setup.
- Shared flat: your share of the deposit, plus some furniture and kitchen items if the flat is not furnished.
- Solo flat: a full deposit, brokerage if applicable, furniture, appliances, curtains and kitchen setup.
The monthly cost worksheet
Fill in each line for each option you are considering, using real quotes rather than guesses.
- Rent (or your share of it).
- Maintenance charges, if not included in rent.
- Electricity, water and gas — PGs often include these or charge a fixed amount; flats bill by usage.
- Internet.
- Food: PG meals versus groceries, a cook, or ordering in.
- Cleaning and laundry help.
- Commute — the cheapest room is not cheap if it adds an hour and a cab fare each day.
Beyond money
PG or co-living
Convenient and quick to move into, with rules on guests, timings and food. Best when you are new to a city or want minimal responsibility.
Shared flat
More space and freedom at a moderate cost, but you share decisions, bills and housework. Works best with compatible flatmates and clear agreements.
Living alone
Maximum privacy and control, at the highest cost and with all the responsibility. Makes sense once your income and routine are stable.