Is it cheaper to live in London or Cardiff?

Cardiff is generally cheaper than London for rent (£2,100/mo vs £900/mo for a 1-bed), transport, and groceries. However, your actual disposable income depends on salary, tax, pension, and personal spending. Use our calculator above to compare with your real numbers.

What salary in Cardiff equals £55,000 in London?

The answer depends on your pension contributions, student loan, and lifestyle. Our calculator factors in Income Tax, National Insurance, rent, council tax, transport, groceries, utilities, and more to find the equivalent salary. Try it above with your actual figures.

Should I take a pay cut to move from London to Cardiff?

A lower salary in Cardiff can still leave you with more disposable income due to lower rent and living costs. The key is comparing what you keep after all essential costs — not just the gross salary. Our calculator shows this side by side.

Does this calculator include childcare costs?

Yes — toggle "I have children in childcare" to include nursery costs. The calculator uses city-specific hourly rates and factors in free childcare hours and Tax-Free Childcare entitlements. It also warns you about the £100k cliff edge where you lose these benefits.

Are Scottish tax rates different?

Yes. Edinburgh and Glasgow use Scottish income tax bands, which have six rates (19%–48%) compared to England's three (20%–45%). The calculator automatically applies the correct rates based on your city selection.

London vs Cardiff Salary Comparison UK 2025/26

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: London £9.00/hr, Cardiff £6.00/hr. Includes free hours and Tax-Free Childcare where eligible.

Pension contribution

Applied to both cities

Student loan plan

Tax code

Default 1257L

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The verdict

You're £596/mo better off in Cardiff

London disposable

£178

Cardiff disposable

£774

To match, you'd need £68,000 in London

Net pay — London

£3,405/mo

£40,862/year from £55,000

Net pay — Cardiff

£2,459/mo

£29,512/year from £38,000

Annual difference

£7,152/yr

In favour of Cardiff

Where your salary goes (monthly)

Cost-of-living breakdown (monthly)

Detailed monthly comparison

How we calculate your comparison

1. Take-home pay — we calculate net salary for each city using current 2025/26 rates:

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

2. Cost of living — we subtract six key monthly costs for each city:

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)

3. Disposable income— what's left after essentials:

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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London vs Cardiff

How we calculate your comparison

Compare salaries across UK cities

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