City A
Annual salary (gross)
£
City B
Annual salary (gross)
£
Home size
I have children in childcare
Number of children
Pre-school age (assumed age 2)
Hours per week (per child)
hrs
Nursery rates: Brighton £8.00/hr, Bristol £7.50/hr. Includes free hours and Tax-Free Childcare where eligible.
Pension contribution
Applied to both cities
%
Student loan plan
Tax code
Default 1257L
Share your result
The verdict
You're £35/mo better off in Bristol
Brighton disposable
£693
Bristol disposable
£728
Net pay — Brighton
£3,029/mo
£36,352/year from £48,000
Net pay — Bristol
£3,029/mo
£36,352/year from £48,000
Annual difference
£420/yr
In favour of Bristol
Where your salary goes (monthly)
Cost-of-living breakdown (monthly)
Detailed monthly comparison
Category
Brighton
Bristol
Income
Gross salary
£4,000
£4,000
Income Tax
-£551
-£551
National Insurance
-£220
-£220
Pension
-£200
-£200
Net take-home
£3,029
£3,029
Monthly costs
Rent (1-bed)
-£1,400
-£1,400
Council Tax
-£170
-£170
Transport
-£90
-£80
Groceries
-£260
-£250
Eating Out & Social
-£190
-£180
Utilities
-£140
-£140
Broadband
-£31
-£31
Occasional Uber
-£55
-£50
Total costs
-£2,336
-£2,301
Disposable income
£693
£728
Guide
How we calculate your comparison
- Income Tax (England or Scottish bands, auto-detected by city)
- National Insurance contributions
- Pension salary sacrifice
- Student loan repayments (if applicable)
- Personal Allowance taper for salaries above £100k
- Rent: average 1-bed flat (HomeLet Rental Index, ONS)
- Council Tax: Band D average (GOV.UK)
- Transport: monthly commute (TfL, local transit data)
- Groceries: single adult monthly spend (ONS Family Spending)
- Utilities: gas, electric, water (Ofgem, regional data)
- Broadband: average monthly cost (Ofcom)
- Disposable = net take-home pay - total monthly costs
- This is what you have left to spend, save, or invest
Cost-of-living figures are city averages. Your actual costs will vary based on neighbourhood, lifestyle, and personal choices. Use this as a starting point for comparison, not a guarantee. Tax rates and thresholds are for the 2025/26 UK tax year. This is not financial advice.
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