How we work it out
How Leopardfish Intel turns pay, perks and living costs at different schools into figures you can compare side by side.
What you'd have left each month
A salary on its own doesn't tell you much, so we work out one number for every school: your monthly surplus. It's simply what comes in minus what goes out. Pick any school on the Evaluate page to see it worked through.
What comes in each month
- Take-home pay: our estimate of what a teacher with about five years' experience takes home after local tax and insurance, or your own offer if you enter it. Each estimate carries a tag: Verified Scale where it follows a school's pay scale, Market Estimate where it's based on what we've seen of pay in the market, and LF Estimate where we've modelled it from similar schools.
- 13th or 14th month pay: not included in our pay figures, because it varies by school. Once the school confirms it, you can add it on Evaluate or Compare.
- Anything else you add: such as other income, or a partner's pay on Evaluate.
Not counted in your surplus: flights and end-of-contract bonuses (often called a gratuity). These vary too much by school and contract, so where we know about them we show them as benefits instead.
What goes out each month
- Rent and bills: market rent (shown as "covered" if the school provides your housing), plus utilities, heating and air-con.
- Housing allowance or subsidy: taken off your rent. If we don't know the allowance amount, we assume it covers your rent, and if we don't know the subsidy, we assume 90%. An allowance above the rent isn't added to your income, as you may choose a bigger home.
- Food and everyday spending: groceries and dining out, based on an expat basket that includes imported goods and the better supermarkets.
- Phone and internet: high-speed home internet and mobile data.
- Getting about: the monthly or annual pass (annual cost divided by 12) where there is one, or car hire if you switch to it.
- Medical gaps: everyday health costs your school's cover doesn't pay.
- Area adjustments: where an area clearly costs more or less than its city figure, we adjust rent and dining out. Currently that's around Buenos Aires: Olivos and San Fernando (25% more rent, 20% more dining), and Quilmes and Los Polvorines (5% less for both).
What we assume
We start from published cost-of-living data and our own price checks, then adjust it to how an expat teacher really lives. Where we can't find solid figures, we use our best estimate, and the notes beside the figures explain what they're based on. We'd rather show you something honest than leave a blank.
About five years
A mid-point on the pay scale, with five or so years in the job.
Modern flat, good area
A modern flat in a good, well-connected area, at market rent. Not the cheapest part of town. Furnishing varies: some flats are fully or partly furnished and some only include white goods, so expect to add a few things yourself.
Weekly and daily
We check the IMF's inflation figures every week, use national figures where the IMF has none, update currency rates every day, check government travel advice every month, and recalculate finance scores every month. Our aim is to re-check each country's living costs every month where inflation is high, every 3 months where it's moderate, and every 6 months elsewhere.
Make it your own
On Evaluate and Compare you can change the numbers to fit your life:
- Family status: single, couple, or family +1, +2 or +3. This sets your flat size (one bedroom if single, two for a couple or family +1, three for family +2 or +3), and groceries, dining, bills, phone and medical gaps rise with your household. A partner's pay is only counted if you add it on Evaluate.
- School fees: our figures assume your school covers your children's tuition, so no fees are included. We assume up to 2 children, the usual cap at top international schools, unless our research shows otherwise, often depending on places being available. A third child is rarely fully covered, so check the fees if you have three or more. Check your contract, including any levies, registration fees and school bus costs.
- Lifestyle: Saver, Comfort or Full Expat. Saver is a modest flat and cooking at home. Comfort is a comfortable flat with regular nights out and a few imported luxuries. Full Expat goes further than Comfort: a high-end flat, imported-brand groceries, and hotel dining and leisure at the weekends. Lifestyle changes your rent, groceries, and dining and social spending, but not your bills, phone, transport or medical gaps. If the school provides your housing, your rent stays covered on any setting.
- Housing (Evaluate): provided by the school, shared, or a one, two or three bedroom flat.
- Transport (Evaluate): public transport or car hire.
- Extra income: such as tutoring or a side job.
- Your own adjustments: plus or minus, for anything we haven't thought of.
How Compare ranks schools
When you compare schools, each one gets a match score out of 99. Each part has a maximum, so no single part can outweigh the rest:
- Savings, up to 50 points (the biggest part): what you'd have left each month after rent and everyday costs. Full marks at about US$4,000 a month. Savings in a currency with a history of sharp falls count for less.
- Academic score, up to 25 points: our rating of the school's academic standing.
- City safety and workload, up to 20 points: how safe the city is and how heavy the teaching load looks.
- Benefits we can confirm, up to 10 points: health cover, flights home and tuition for your children. Where we don't yet know about flights or tuition, they score in the middle, so a school isn't marked down for a gap in our data.
- Inflation, up to 10 points off: high inflation eats into savings. Every percentage point above 3% a year takes a point off.
Most schools score between 50% and 80%. Only schools that do well on every part reach the 90s.
The school with the highest score comes out top. If two schools score the same, the one that leaves you more money each month wins. Each card tells you why it ranks where it does.
City safety comes from government travel advice and is scored by country, so it's a broad guide rather than a measure of each neighbourhood. We start from the US State Department travel advisory level: Level 1 is 9.5 out of 10, Level 2 is 8.0, Level 3 is 6.0 and Level 4 is 3.0. We take off 1.0 where the UK Foreign, Commonwealth & Development Office (FCDO) advises against travel to the city's area. A city with no advice gets 8.0, the middle of all our cities. We check this advice every month. FCDO advice contains public sector information licensed under the Open Government Licence v3.0. Neither government endorses Leopardfish Intel or these scores.
The score is a guide, not a verdict. A lower-scoring school might suit you better, for example if it has the curriculum or location you want.
Currencies
Evaluate and Compare show each school in its local currency. To compare across countries, you can also see results in US dollars, pounds or euros, using rates we update every day.
High-inflation countries
In countries with very high inflation, such as Argentina, we flag it so you know the figures can move fast.
A word of caution
These figures are estimates to help you compare schools. They aren't promises. Your own pay point, family and tax situation, spending habits, any extra income and any commitments back home will change the result, so use the adjustments boxes on Evaluate or Compare to add them in.
The finance score on Evaluate shows how a school's monthly surplus ranks among every school on Leopardfish Intel, from 1 (lowest) to 10 (highest). It uses the same teacher everywhere: single, on Comfort, on our pay estimate, with no extra salaries, so it compares schools worldwide, not just within a country.
Spotted something wrong? Use the Feedback button on any page and we'll look into it.
Every job links to the school's own advert, on its own website, a school group's careers page or a job board such as TES. We never host application forms or change a school's job description. We check for new and closed jobs every day, and some by hand too.
Ready to see what you'd have left?
Try Evaluate with live school data.