The trip costs about $3,630.00 ($1,815.00 each, including 10% contingency). Flying east across 5.5 hours of time difference, allow about 6 days to adjust.
In the formula, B is the budget, c_d daily spending per person, d trip days, n travellers, F fixed costs, c the contingency as a decimal fraction, z the time difference in hours and A estimated adjustment days. The average rate r is 1 hour/day eastward or 1.5 hours/day westward.
Add fixed costs and contingency
(2,100.00+1,200)×(1+0.1)=3,630.00
Days to adjust
⌈1h/d5.5h⌉=⌈5.5⌉=6
Rounded up to whole days. The CDC Yellow Book gives average adaptation of 1 hour a day flying east and 1.5 hours a day flying west; flying east that is the familiar rule of about one day per time zone.
About the travel budget and jet lag calculator
The trip budget is daily spending per person × days × travellers, plus fixed costs such as flights and visas, with a contingency percentage added on top of both. The jet lag estimate divides the time difference by how fast the body clock adapts, which the CDC Yellow Book 2026 puts at about 1 hour a day flying east and 1.5 hours a day flying west, and rounds up to whole days.
With the defaults, two travellers spending 150 a day each for 7 days, with 1,200 of fixed costs and a 10% contingency, need 3,630 in total, or 1,815 each. Flying east across 5.5 hours of time difference takes about 6 days to adjust; flying west, 4.
The adaptation rates are averages, and the CDC describes jet lag disorder only after crossing at least two time zones. Days to adjust are rounded up, and the timeline marks the day of the trip when your body clock should match local time.
How to calculate a travel budget
A trip budget is daily spending per person × days × travelers, plus fixed costs such as flights, with a contingency percentage added on top. Two people spending 150 a day each for 7 days, with 1,200 of fixed costs and a 10% buffer, need (2,100 + 1,200) × 1.10 = 3,630, or 1,815 each.
Spread over the week, that is 3,630 ÷ 7 = 518.57 a day for the group. It includes the fixed costs and the buffer, so it is well above the 300 a day the two travelers spend locally.
Daily spending or fixed cost?
Daily spending is what one person spends in one day: lodging, meals, local transport and activities. Fixed costs are paid once for the whole group: flights, visas, insurance.
Flights: at 600 per person for two travelers, enter 1,200 as a fixed cost. Typed as daily spending, 600 becomes 600 × 7 × 2 = 8,400.
Hotels charge by the night, and a 7-day trip often has 6 nights. A 120-a-night room shared by two costs 720 for 6 nights, while 60 per person per day for 7 days counts 840, one night too many.
How the contingency works
The percentage applies to the whole subtotal, fixed costs included: 10% of 3,300 is 330. If the flights are already paid, a buffer on them only inflates the total, so raise the daily rate instead to cover local spending alone.
At 165 a day (150 plus 10%) with no contingency, the same trip comes to 3,510 instead of 3,630. The 120 difference is the buffer that was sitting on the fixed costs.
How long does jet lag last?
The CDC Yellow Book 2026 puts average adaptation at about 1 hour of time difference per day flying east and 1.5 hours per day flying west. Divide the time difference by that rate and round up to whole days.
London to Delhi in winter is 5.5 hours east: 5.5 ÷ 1 = 5.5, so about 6 days. Flying home west, 5.5 ÷ 1.5 = 3.67, so about 4 days. Use the clock difference in hours; half-hour offsets such as India's are fine.
The same rule for other time differences:
3 hours: 3 days east, 2 days west.
6 hours: 6 days east, 4 days west.
9 hours: 9 days east, 6 days west.
12 hours: 12 days east, 8 days west.
These are averages for planning, not a forecast for one traveler. The CDC describes jet lag disorder after crossing at least two time zones, so a 1-hour change is usually minor.
Beyond 12 hours of difference, the body clock may adjust the other way around the globe, so treat those estimates loosely.
Example trip plans
Scenario
Total budget
Per person
Adjustment days
Default
3630.000000
1815.000000
6.000000
Westbound
3630.000000
1815.000000
4.000000
No time change
3300.000000
1650.000000
0.000000
Fixed only
900.000000
300.000000
6.000000
Solo weekend
299.000000
299.000000
0.000000
Default: the week for two above, flying 5.5 hours east. Westbound is the same trip flying west, so only the adjustment changes.
No time change: no time difference and no contingency, so 2,100 + 1,200 = 3,300.
Fixed only: three travelers for 5 days with no daily spending, 750 of fixed costs and a 20% contingency: 750 × 1.20 = 900, or 300 each.
Solo weekend: 2 days at 80, 100 of fixed costs, a 15% contingency and no time change: (160 + 100) × 1.15 = 299.
Mistakes that throw off a trip budget
Adding a traveler without updating fixed costs. Daily spending scales with the group, but the flights in fixed costs stay at the old figure until you change them.
Mixing currencies. Convert every quote to one currency before adding it in.
Treating the per-day figure as a spending allowance. The 518.57 a day includes flights and the buffer; the local allowance is still 150 per person.
After the trip
The expense splitter works out who owes whom from the actual receipts. For a road trip, the fuel cost calculator estimates the fuel to add to fixed costs.
About one day per time zone flying east and two days for every three zones flying west. The CDC Yellow Book 2026 gives average body-clock adaptation of 1 hour a day eastward and 1.5 hours a day westward, so 6 hours of time difference takes about 6 days east and 4 days west. Symptoms include poor sleep, daytime sleepiness, impaired thinking, general malaise and stomach upset.
Why is jet lag worse flying east?
Flying east means advancing the body clock, and because the natural circadian rhythm runs slightly longer than 24 hours, it is easier to delay than to advance. The CDC Yellow Book 2026 therefore gives adaptation of 1 hour a day eastward against 1.5 hours a day westward. For 9 hours of time difference that is about 9 days flying east and 6 days flying west.
How can you reduce jet lag?
The CDC Yellow Book 2026 suggests shifting sleep 1 hour a day for the 2 to 3 days before departure (earlier before flying east, later before flying west), timing meals, sleep and light to the destination during the flight, getting natural light on arrival and avoiding long daytime naps. The CDC notes that 0.5 to 1 mg of melatonin is often enough to shift the body clock, but taking it at the wrong time can worsen misalignment. Ask a clinician or pharmacist about its use and timing for your circumstances. For trips of less than 2 days it advises staying on home time.
Does a one- or two-hour time change cause jet lag?
Usually not much. The CDC Yellow Book defines jet lag disorder as occurring after crossing at least two time zones, so a 1-hour change, like a daylight saving time shift, is usually minor. At 2 hours the calculator estimates 2 days to adjust flying east (2 ÷ 1) and 2 days flying west (2 ÷ 1.5 = 1.33, rounded up).
How do you work out a daily travel budget?
Add up lodging, food, local transport and activities for one person for one day, then multiply by days and travellers. Costs paid once, such as flights, visas and insurance, go in fixed costs. A 10% contingency on a 3,300 trip adds 330. Per day for the group divides the whole total, flights included, by the trip length: 3,630 ÷ 7 = 518.57.
This calculator includes 4 worked examples with independently sourced answers. They run in the test suite, and you can run them here too.
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