How a Bengaluru Couple Is Able To Enjoy a Similar Lifestyle in London

Guptas pay 30-35% in taxes in the UK but benefit from healthcare schemes, social security and expat tax breaks

- Shipra Singh

For many young Indian professionals, Europe is a favourite holiday destination. But for software engineers Arnav Gupta and Sayani Bhattacharjee, just vacationing there wasn't enough. "We had travelled extensively across Europe and always felt that we should experience the quality of life, infrastructure and facilities more deeply by living here. Vacations only give you a glimpse," said Arnav.

In August 2024, the couple packed up their lives in Bengaluru and moved to London, UK. Among the many destinations they considered, London ticked all the boxes. "It has plenty of opportunities in tech, the pay is good—lower than the US but better than major European hubs—and the long-term path to permanent residency or citizenship is clearer. And, of course, we didn't have to learn a new language," Arnav said.

But London, consistently ranked among the world's 10 most expensive cities, demands its share of financial and lifestyle adjustments. Housing was the first reality check for the couple. "We now live in a 600 sq ft one-bedroom apartment, compared to the 1,600 sq. ft three-bedroom we had in Bengaluru. Rent and utilities take up nearly 25% of our combined income. For single earners, it can climb to half their take-home pay," said Arnav.

But, he is not complaining. "The rent pinches but it doesn't feel like a downgrade. Modern apartments here make efficient use of space. Besides, we spend a lot of our time outdoors as there's so much to do in the city."

As part of Mint's series on Indian expats, the couple shares their experience of living in London.