Working abroad comes with big dreams—and even bigger responsibilities. For many Filipino workers in Taiwan, every hard-earned NT dollar carries weight: rent, food, family remittances, and the hope of a better future.
But how do you make sure your money works for you and not the other way around?
Let’s break down the typical monthly expenses for OFWs in Taiwan. Whether you’re sending money home or saving up for your own future, here’s how to take control of your finances—without missing out on enjoying your new life abroad.
Taiwan Minimum Wage in 2025
- NT$28,590/month (Approx. ₱52,000)
- Most OFWs—especially in factories and caregiving roles—start here.
- Some contracts also include free housing, subsidized meals, and health insurance.
Let’s walk through a smart monthly budget based on common expenses.
Accommodation (NT$600 or more)
If you’re a factory worker or caregiver, you’re likely staying in an employer-provided dormitory, with minimal deductions—often just NT$600/month (₱1,080).
But if you’re renting:
- Shared room outside Taipei: NT$6,000–8,000
- Studio in Taipei: NT$10,000–15,000
Tip: Confirm your housing benefits before signing your contract. Free lodging = more savings.
Food Expenses (NT$3,000–5,000)
- Subsidized meals at work? Big win. You’ll only need to budget for snacks or weekend meals.
- Cooking at home is affordable. Groceries for one person usually range between NT$3,000–5,000 (₱5,400–₱9,000) monthly.
What you can buy:
- 1L milk – NT$90
- 1kg rice – NT$45
- 1 dozen eggs – NT$80
- Local veggies and tofu – cheap and filling
Pro Tip: Taiwan’s night markets are affordable but can add up if eaten daily. Try to limit them to weekends.
Transportation (NT$1,000–2,000)
Taiwan’s transportation system is cheap, clean, and efficient.
- Monthly MRT pass in Taipei: NT$1,280
- Intercity bus fares: as low as NT$150 per trip
- Scooter users: fuel and maintenance around NT$1,000–1,500
Tip: Invest in an EasyCard for seamless travel on buses and trains.
Utilities (NT$1,500–2,500)
If you’re renting, budget for:
- Electricity & water: NT$1,000–1,500
- Internet & mobile: NT$500–1,000
Those in company housing often don’t pay for these—or pay much less.
Tip: Local SIM plans with unlimited data cost as little as NT$499/month.
Healthcare (Often covered)
Taiwan has one of the best public healthcare systems in Asia. If you’re legally employed, you’re likely enrolled in National Health Insurance (NHI).
Regular check-ups, meds, and even minor surgeries are highly subsidized.
Tip: Keep your health card with you. Visits to the doctor usually cost only NT$150–200 with NHI coverage.
Leisure & Miscellaneous (NT$1,500–3,000)
Life in Taiwan isn’t all work and no play.
- Stroll through night markets – mostly free to enter
- Visit temples, parks, and museums – often free or under NT$100
- Short trips to Hualien or Sun Moon Lake: NT$1,000–2,000
Budget for: hygiene items, gifts for family, or occasional online shopping.
Tip: Set aside a fun fund. Even NT$1,000 a month goes a long way for weekend rewards.
Savings & Remittances (NT$5,000–10,000)
This is the why behind your work.
Sending money home? Here’s a sample approach:
- Remittance to PH: NT$6,000–8,000/month
- Personal Savings: NT$2,000–5,000/month
Tip: Use apps like Wise or Remitly to send money with lower fees and better exchange rates.
Sample Budget Breakdown (With Free Housing)
| Category | Amount (NT$) |
| Food (groceries/cooking) | 4,000 |
| Transportation | 1,500 |
| Utilities & Internet | 1,500 |
| Leisure/Misc. | 2,000 |
| Remittance | 8,000 |
| Personal Savings | 5,000 |
| Total | 22,000 |
| Buffer | 6,590 |
Remaining funds can go to emergencies, travel, or one-time purchases.
Frequently Asked Questions (FAQs)
- How much should I send to my family each month?
It depends on your obligations, but most OFWs aim for NT$6,000–10,000, which is around ₱11,000–₱18,000.
- Can I live comfortably on Taiwan’s minimum wage?
Yes, especially with free housing and meals. Even with rent, it’s possible to budget wisely and still save.
- What’s a smart savings goal per month?
Aim to save at least NT$5,000/month (~₱9,000). Small, consistent savings add up over your contract.
- Is it cheaper to cook or eat out?
Cooking is cheaper. A home-cooked meal can cost under NT$60, while eating out daily could double your food budget.
Video: Worth it pa ba mag-Taiwan ? | Sahod + Gastos Reveal | Buhay OFW
With the rising cost of living, many Overseas Filipino Workers (OFWs) wonder if working abroad in Taiwan as a factory worker is still financially viable. This video provides a transparent, no-filter, no-sugarcoat breakdown of an OFW’s salary, including actual earnings, deductions, and monthly expenses.
The content aims to give viewers a realistic perspective on how much money truly remains after essential costs such as housing, food, and other necessities. It serves as an insightful guide for those planning to work in Taiwan or those simply curious about the financial reality of OFWs.
Final Thoughts
Every NT dollar you earn in Taiwan is the result of your courage, sacrifice, and hard work. So budget like someone building a future—not just surviving a season.
It doesn’t matter if you’re living in a dorm or a tiny studio, eating cup noodles or stir-fried veggies. What matters is you’re taking charge of your money and your mission.
And that’s the most empowering kind of freedom.