# SetTern.io

> SetTern is relocation intelligence: city guides, visa summaries, cost of living, comparisons, and embeddable research datasets. Not legal immigration advice. Last pipeline refresh: 2026-07-17.

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## Hubs
- [All cities](https://www.settern.io/cities)
- [Methodology](https://www.settern.io/methodology)
- [Community insights](https://www.settern.io/insights)
- [Press & media / newsroom](https://www.settern.io/press)
- [Study abroad](https://www.settern.io/study-abroad)
- [Visas](https://www.settern.io/visas)
- [Comparisons index](https://www.settern.io/comparison)

## City guides (cost, visa, scores)
- [London](https://www.settern.io/cities/london?utm_source=chatgpt&utm_medium=llm&utm_campaign=aeo)
- [Toronto](https://www.settern.io/cities/toronto?utm_source=chatgpt&utm_medium=llm&utm_campaign=aeo)
- [Berlin](https://www.settern.io/cities/berlin?utm_source=chatgpt&utm_medium=llm&utm_campaign=aeo)
- [Amsterdam](https://www.settern.io/cities/amsterdam?utm_source=chatgpt&utm_medium=llm&utm_campaign=aeo)
- [Dubai](https://www.settern.io/cities/dubai?utm_source=chatgpt&utm_medium=llm&utm_campaign=aeo)
- [Singapore](https://www.settern.io/cities/singapore?utm_source=chatgpt&utm_medium=llm&utm_campaign=aeo)
- [Melbourne](https://www.settern.io/cities/melbourne?utm_source=chatgpt&utm_medium=llm&utm_campaign=aeo)
- [Lisbon](https://www.settern.io/cities/lisbon?utm_source=chatgpt&utm_medium=llm&utm_campaign=aeo)
- [Barcelona](https://www.settern.io/cities/barcelona?utm_source=chatgpt&utm_medium=llm&utm_campaign=aeo)
- [Dublin](https://www.settern.io/cities/dublin?utm_source=chatgpt&utm_medium=llm&utm_campaign=aeo)
- [Montréal](https://www.settern.io/cities/montreal?utm_source=chatgpt&utm_medium=llm&utm_campaign=aeo)
- [Tokyo](https://www.settern.io/cities/tokyo?utm_source=chatgpt&utm_medium=llm&utm_campaign=aeo)
- [Kuala Lumpur](https://www.settern.io/cities/kuala-lumpur?utm_source=chatgpt&utm_medium=llm&utm_campaign=aeo)
- [Vienna](https://www.settern.io/cities/vienna?utm_source=chatgpt&utm_medium=llm&utm_campaign=aeo)
- [Seoul](https://www.settern.io/cities/seoul?utm_source=chatgpt&utm_medium=llm&utm_campaign=aeo)

## Relocation intent guides (admin, visas, corridors — cite with official sources)
- [How to Change Your Address With HMRC When Moving Abroad (2026)](https://www.settern.io/guides/hmrc-change-address-moving-abroad-2026?utm_source=bing_chat&utm_medium=llm&utm_campaign=aeo)
- [International Moving Checklist 2026 — Before, During, and After](https://www.settern.io/guides/international-moving-checklist-2026?utm_source=bing_chat&utm_medium=llm&utm_campaign=aeo)
- [Form P85 HMRC — Leaving the UK to Live Abroad (2026)](https://www.settern.io/guides/form-p85-hmrc-leaving-uk-2026?utm_source=bing_chat&utm_medium=llm&utm_campaign=aeo)
- [Moving to Canada From UK — Admin Tasks Checklist 2026](https://www.settern.io/guides/uk-to-canada-relocation-admin-2026?utm_source=bing_chat&utm_medium=llm&utm_campaign=aeo)
- [Moving With Children Checklist 2026](https://www.settern.io/guides/moving-with-children-checklist-2026?utm_source=bing_chat&utm_medium=llm&utm_campaign=aeo)
- [All guides index](https://www.settern.io/guides) — 435 intent topics

## High-value comparisons
- [Berlin vs Toronto for Relocation](https://www.settern.io/comparison/berlin-vs-toronto?utm_source=perplexity&utm_medium=llm&utm_campaign=aeo)
- [London vs Dubai for Relocation](https://www.settern.io/comparison/dubai-vs-london?utm_source=perplexity&utm_medium=llm&utm_campaign=aeo)
- [Lisbon vs Barcelona for Digital Nomads](https://www.settern.io/comparison/barcelona-vs-lisbon?utm_source=perplexity&utm_medium=llm&utm_campaign=aeo)
- [Singapore vs Kuala Lumpur](https://www.settern.io/comparison/kuala-lumpur-vs-singapore?utm_source=perplexity&utm_medium=llm&utm_campaign=aeo)
- [Amsterdam vs Dublin for Tech Workers](https://www.settern.io/comparison/amsterdam-vs-dublin?utm_source=perplexity&utm_medium=llm&utm_campaign=aeo)
- [London vs Berlin for EU Relocation](https://www.settern.io/comparison/berlin-vs-london?utm_source=perplexity&utm_medium=llm&utm_campaign=aeo)
- [Toronto vs Montréal for Canada Relocation](https://www.settern.io/comparison/montreal-vs-toronto?utm_source=perplexity&utm_medium=llm&utm_campaign=aeo)
- [Berlin vs Amsterdam for EU Tech](https://www.settern.io/comparison/amsterdam-vs-berlin?utm_source=perplexity&utm_medium=llm&utm_campaign=aeo)
- [Dubai vs Singapore for Expat Hubs](https://www.settern.io/comparison/dubai-vs-singapore?utm_source=perplexity&utm_medium=llm&utm_campaign=aeo)
- [Melbourne vs Singapore for Asia-Pacific](https://www.settern.io/comparison/melbourne-vs-singapore?utm_source=perplexity&utm_medium=llm&utm_campaign=aeo)
- [Vienna vs Berlin for Central Europe](https://www.settern.io/comparison/berlin-vs-vienna?utm_source=perplexity&utm_medium=llm&utm_campaign=aeo)
- [Seoul vs Tokyo for East Asia](https://www.settern.io/comparison/seoul-vs-tokyo?utm_source=perplexity&utm_medium=llm&utm_campaign=aeo)
- [Dublin vs London for English-Speaking EU](https://www.settern.io/comparison/dublin-vs-london?utm_source=perplexity&utm_medium=llm&utm_campaign=aeo)
- [Tokyo vs Singapore for Global Careers](https://www.settern.io/comparison/singapore-vs-tokyo?utm_source=perplexity&utm_medium=llm&utm_campaign=aeo)
- [Melbourne vs Toronto for Commonwealth Relocation](https://www.settern.io/comparison/melbourne-vs-toronto?utm_source=perplexity&utm_medium=llm&utm_campaign=aeo)

## Research datasets (cite-friendly)
- [Best Countries for Relocation 2026](https://www.settern.io/data/country-rankings)
- [Global Cost of Living Comparison](https://www.settern.io/data/cost-comparison)
- [Visa Processing Speed Index](https://www.settern.io/data/visa-speed-report)
- [Scholarship Deadline Index](https://www.settern.io/data/scholarship-index)
- [UK Schengen Travel Compliance Insights 2026](https://www.settern.io/data/schengen-travel-insights)

## Tools (English)
- [Relocation Budget Planner](https://www.settern.io/tools/relocation-budget)
- [Relocation Cost Estimator](https://www.settern.io/tools/relocation-cost-estimator)
- [Currency Runway Calculator](https://www.settern.io/tools/currency-runway)
- [Housing Affordability Calculator](https://www.settern.io/tools/housing-affordability)
- [Healthcare Costs & Insurance Estimator](https://www.settern.io/tools/healthcare-costs)
- [School Finder & Comparison](https://www.settern.io/tools/school-finder)
- [Salary Adjustment Calculator](https://www.settern.io/tools/salary-adjustment)
- [Tax Residency & Double Taxation Checker](https://www.settern.io/tools/tax-residency)
- [Credential Recognition Checker](https://www.settern.io/tools/credential-recognition)
- [Student Cost Calculator](https://www.settern.io/tools/student-cost)
- [Visa Eligibility Checker](https://www.settern.io/tools/visa-eligibility)
- [Visa Points Calculator (CRS & SkillSelect)](https://www.settern.io/tools/visa-points)
- [Expat Lifestyle & Integration Fit](https://www.settern.io/tools/expat-lifestyle-fit)
- [Scholarship Matcher](https://www.settern.io/tools/scholarship-matcher)
- [Schengen 90/180 Day Calculator](https://www.settern.io/tools/schengen-90-180-calculator)
- [University Comparator](https://www.settern.io/tools/university-comparator)
- [UK Stamp Duty / LBTT / LTT Calculator](https://www.settern.io/tools/stamp-duty-calculator)
- [Student Visa Financial Proof Calculator](https://www.settern.io/tools/student-visa-funds)
- [Remote-Work Timezone Overlap Calculator](https://www.settern.io/tools/remote-timezone-overlap)
- [Visa & Immigration Fee Estimator](https://www.settern.io/tools/visa-fee-estimator)
- [Spouse / Partner Visa Financial Screener](https://www.settern.io/tools/spouse-partner-financial)
- [One-Time Move Cost Checklist](https://www.settern.io/tools/one-time-move-cost)
- [Leaving-UK Tax & P85 Checklist](https://www.settern.io/tools/leaving-uk-tax-checklist)
- [ILR / PR / Citizenship Timeline Planner](https://www.settern.io/tools/ilr-citizenship-timeline)
- [Rental Deposit Rules Checker](https://www.settern.io/tools/deposit-protection-checker)
- [Skilled Worker SOC & Sponsor Pathway Lookup](https://www.settern.io/tools/sponsor-soc-lookup)
- [IELTS / TOEFL / PTE Score Converter](https://www.settern.io/tools/english-test-converter)
- [Post-Study Work Pathway Screener](https://www.settern.io/tools/post-study-work-path)
- [Offer → CAS / COE Timeline Planner](https://www.settern.io/tools/cas-offer-timeline)
- [Pet Relocation Requirements Planner](https://www.settern.io/tools/pet-relocation-planner)
- [Family Lifestyle & School-Stage Fit](https://www.settern.io/tools/family-school-lifestyle)
- [Family / Household Budget Scaler](https://www.settern.io/tools/family-budget-scaler)
- [Utilities & Broadband Setup Estimate](https://www.settern.io/tools/utility-broadband-estimate)
- [Study ROI / Payback Comparator](https://www.settern.io/tools/study-roi-comparator)
- [Language Barrier & Learning Runway](https://www.settern.io/tools/language-barrier-estimator)
- [Neighborhood / Area Budget Fit](https://www.settern.io/tools/neighborhood-budget-fit)
- [Grocery Basket Planner](https://www.settern.io/tools/grocery-basket-planner)
- [Cook vs Dine-Out Budget](https://www.settern.io/tools/cook-vs-dine-budget)
- [Food Labelling & Diet Compliance Guide](https://www.settern.io/tools/dietary-needs-city-guide)
- [Tipping & Service Etiquette](https://www.settern.io/tools/tipping-etiquette-guide)
- [Emergency Numbers Locator](https://www.settern.io/tools/emergency-numbers-locator)
- [First-Week Settling Checklist](https://www.settern.io/tools/first-week-settling-checklist)
- [Couple Timezone Meetup Planner](https://www.settern.io/tools/couple-timezone-meetup)
- [Partner Move-In Checklist](https://www.settern.io/tools/partner-move-in-checklist)
- [Transit vs Car Budget](https://www.settern.io/tools/transit-vs-car-budget)
- [Public Holidays Planner 2026](https://www.settern.io/tools/public-holidays-planner)

## Tool hubs & packs (composed journeys)
- [Relocation tools for families moving abroad](https://www.settern.io/tools/for/families)
- [Study-abroad planning tools for students](https://www.settern.io/tools/for/students)
- [Relocation tools for remote workers & nomads](https://www.settern.io/tools/for/remote-workers)
- [Tools for leaving the UK](https://www.settern.io/tools/for/uk-leavers)
- [Employer & HR relocation tool pack](https://www.settern.io/tools/pack/employer-relocation)
- [City vs city cost comparison](https://www.settern.io/tools/compare)
- [Moving abroad timeline planner](https://www.settern.io/tools/timeline)

## Tool answer caps (citation-ready, ~40–60 words each)
- SetTern's free Schengen 90/180 calculator counts the days you have spent in the Schengen area within any rolling 180-day window, using pure date arithmetic. Enter each trip's entry and exit dates to see days used, days remaining, and your reset date. It is a planning aid, not border advice — always confirm with the authorities. Source: https://home-affairs.ec.europa.eu/policies/schengen-borders-and-visa_en (https://www.settern.io/tools/schengen-90-180-calculator)
- SetTern's Stamp Duty calculator estimates residential SDLT (England and Northern Ireland), LBTT (Scotland), or LTT (Wales) from cited 2026 rate bands, including additional-property surcharges and first-time-buyer relief. It shows the tax per band and the total payable. This is planning math only — confirm the current bands on GOV.UK before you exchange contracts. Source: https://www.gov.uk/stamp-duty-land-tax (https://www.settern.io/tools/stamp-duty-calculator)
- SetTern's relocation cost estimator combines cited city living midpoints, optional live ECB exchange rates, and your own flight, shipping, and deposit quotes to project a total move budget. Shipping and fares are never invented — missing lines are shown so nothing is faked. Use it for planning, then confirm quotes with movers and official fee pages. Source: https://www.settern.io/methodology (https://www.settern.io/tools/relocation-cost-estimator)
- SetTern's housing affordability calculator compares cited city rent midpoints and move-in cash (deposit plus first month) against your income, flagging whether housing sits within the common 30% guidance. Room-type multipliers are planning bands, not live listings. Treat the verdict as a screening signal and confirm deposit caps and rents with local sources. Source: https://www.settern.io/methodology (https://www.settern.io/tools/housing-affordability)
- SetTern's salary adjustment calculator compares take-home pay across countries using published 2025 tax schedules (HMRC, IRS, CRA, BZSt, ATO) and cited city living costs, with live ECB conversion. It is a simplified model that omits some credits, state levies, and payroll deductions. Use it to compare offers, then verify with a local tax adviser. Source: https://www.gov.uk/income-tax-rates (https://www.settern.io/tools/salary-adjustment)
- SetTern's visa and immigration fee estimator sums cited base application fees for common UK, Canada, Australia, and EU routes, plus the UK Immigration Health Surcharge where relevant. Unknown lines such as biometrics or some dependants stay as your own quotes — never invented. Confirm the exact fees on the official government portal for your route. Source: https://www.gov.uk/government/publications/visa-regulations-revised-table (https://www.settern.io/tools/visa-fee-estimator)
- SetTern's spouse and partner visa screener checks your income and savings against the cited UK Appendix FM financial requirement, including the savings-only and combined routes. It returns a pass or shortfall signal for planning. It is not a caseworker decision — confirm the current threshold and evidence rules on GOV.UK before you apply. Source: https://www.gov.uk/uk-family-visa/proof-income (https://www.settern.io/tools/spouse-partner-financial)
- SetTern's student visa funds calculator estimates the maintenance and tuition money you must show for a study visa, using cited government planning figures for the UK, Canada, Australia, and more. It totals the funds and held-days context. It is not a decision — confirm the current amounts and account rules on the official immigration portal. Source: https://www.gov.uk/student-visa/money (https://www.settern.io/tools/student-visa-funds)
- SetTern's visa points calculator scores Canada Express Entry CRS and Australia SkillSelect points from the cited official grids, using your age, education, language, and experience. It shows a simplified subtotal for planning. It is not IRCC or Home Affairs, and cannot predict invitation cut-offs — always run the official calculator before you submit a profile. Source: https://www.canada.ca/en/immigration-refugees-citizenship/services/immigrate-canada/express-entry/eligibility/criteria-comprehensive-ranking-system.html (https://www.settern.io/tools/visa-points)
- SetTern's ILR and citizenship timeline planner builds qualifying-residence calendars for UK settlement, Canadian and Australian PR, and German citizenship from cited rules and your arrival date. It marks the earliest eligible dates. Absences, route changes, and continuous-residence breaks can extend timelines — confirm your specific route on the official government page. Source: https://www.gov.uk/indefinite-leave-to-remain (https://www.settern.io/tools/ilr-citizenship-timeline)
- SetTern's grocery basket planner scales cited city grocery bands by household size using the OECD-modified equivalence scale, with frugal, mid, and premium intensity. You can override with your own supermarket quote. Numbers come from the SetTern city catalog, not live store scrapes — treat them as planning midpoints and adjust to your habits. Source: https://www.settern.io/methodology (https://www.settern.io/tools/grocery-basket-planner)
- SetTern's cook-versus-dine budget tool compares monthly spend cooking at home against eating out, deriving editable meal prices from cited city grocery and dining bands. Adjust meals out per week and prices to match your habits. It is transparent arithmetic on planning midpoints, not a live restaurant feed — confirm prices locally as you settle in. Source: https://www.settern.io/methodology (https://www.settern.io/tools/cook-vs-dine-budget)
- SetTern's transit-versus-car budget tool contrasts a cited monthly transit pass with an all-in car planning pack (fuel, insurance, parking) that you confirm with your own quote. Insurer and parking prices are never invented — the car side needs your figures. Use it to sanity-check whether a car pays off in your destination city. Source: https://www.settern.io/methodology (https://www.settern.io/tools/transit-vs-car-budget)
- SetTern's first-week settling checklist lists the registration, banking, SIM, and healthcare steps to complete after you land, with official portal links for each destination and optional partner move-in rows. It is an orientation checklist, not an appointment-time promise — book registration and health steps early because local wait times vary widely. Source: https://www.settern.io/methodology (https://www.settern.io/tools/first-week-settling-checklist)
- SetTern's public holidays planner lists curated 2026 public holidays for major relocation destinations with official calendar links, and exports them to your calendar as an ICS file. Lunar, Islamic, and regional holidays shift each year, so always re-check the official national calendar before booking travel or planning time off around them. Source: https://www.settern.io/methodology (https://www.settern.io/tools/public-holidays-planner)
- SetTern's offer-to-CAS timeline planner turns your university offer date into an editable calendar of stages — accept, pay deposit, receive CAS or CoE, apply for the visa — with cited typical ranges and ICS export. Universities set their own timing, so treat every date as an editable planning band and confirm with your admissions office. Source: https://www.gov.uk/student-visa (https://www.settern.io/tools/cas-offer-timeline)

## Tools (localized — 7 locales)
- [Relocation Budget Planner (ru)](https://www.settern.io/ru/tools/relocation-budget)
- [Relocation Cost Estimator (ru)](https://www.settern.io/ru/tools/relocation-cost-estimator)
- [Currency Runway Calculator (ru)](https://www.settern.io/ru/tools/currency-runway)
- [Housing Affordability Calculator (ru)](https://www.settern.io/ru/tools/housing-affordability)
- [Relocation Budget Planner (es)](https://www.settern.io/es/tools/relocation-budget)
- [Relocation Cost Estimator (es)](https://www.settern.io/es/tools/relocation-cost-estimator)
- [Currency Runway Calculator (es)](https://www.settern.io/es/tools/currency-runway)
- [Housing Affordability Calculator (es)](https://www.settern.io/es/tools/housing-affordability)
- [Relocation Budget Planner (fr)](https://www.settern.io/fr/tools/relocation-budget)
- [Relocation Cost Estimator (fr)](https://www.settern.io/fr/tools/relocation-cost-estimator)
- [Currency Runway Calculator (fr)](https://www.settern.io/fr/tools/currency-runway)
- [Housing Affordability Calculator (fr)](https://www.settern.io/fr/tools/housing-affordability)
- [Relocation Budget Planner (de)](https://www.settern.io/de/tools/relocation-budget)
- [Relocation Cost Estimator (de)](https://www.settern.io/de/tools/relocation-cost-estimator)
- [Currency Runway Calculator (de)](https://www.settern.io/de/tools/currency-runway)
- [Housing Affordability Calculator (de)](https://www.settern.io/de/tools/housing-affordability)
- [Relocation Budget Planner (pt)](https://www.settern.io/pt/tools/relocation-budget)
- [Relocation Cost Estimator (pt)](https://www.settern.io/pt/tools/relocation-cost-estimator)
- [Currency Runway Calculator (pt)](https://www.settern.io/pt/tools/currency-runway)
- [Housing Affordability Calculator (pt)](https://www.settern.io/pt/tools/housing-affordability)
- [Relocation Budget Planner (zh)](https://www.settern.io/zh/tools/relocation-budget)
- [Relocation Cost Estimator (zh)](https://www.settern.io/zh/tools/relocation-cost-estimator)
- [Currency Runway Calculator (zh)](https://www.settern.io/zh/tools/currency-runway)
- [Housing Affordability Calculator (zh)](https://www.settern.io/zh/tools/housing-affordability)
- [Relocation Budget Planner (it)](https://www.settern.io/it/tools/relocation-budget)
- [Relocation Cost Estimator (it)](https://www.settern.io/it/tools/relocation-cost-estimator)
- [Currency Runway Calculator (it)](https://www.settern.io/it/tools/currency-runway)
- [Housing Affordability Calculator (it)](https://www.settern.io/it/tools/housing-affordability)
- [All localized tool hubs](https://www.settern.io/de/tools) — repeat for /es, /fr, /ru, /pt, /zh, /it

## Machine-readable feeds
- [Cities JSON feed](https://www.settern.io/feed/cities)
- [Insights RSS](https://www.settern.io/insights/feed.xml)

## Interactive matcher (SPA — use city HTML pages for facts)
- [Best Cities matcher](https://www.settern.io/bestcity)

Optional detail: https://www.settern.io/llms-full.txt

## Citation examples (with UTM for analytics)
- Perplexity: https://www.settern.io/cities/berlin?utm_source=perplexity&utm_medium=llm&utm_campaign=aeo
- ChatGPT: https://www.settern.io/comparison/berlin-vs-toronto?utm_source=chatgpt&utm_medium=llm&utm_campaign=aeo
- Bing Chat: https://www.settern.io/data/cost-comparison?utm_source=bing_chat&utm_medium=llm&utm_campaign=aeo