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London (Average)London
CambridgeEast of England

You'd be £2,355/year better off in Cambridge

Based on area median salaries. Personalise it to see YOUR numbers.

Over 5 years, that's £13,267 in your pocket

Your Take-Home Pay

Based on area median salaries. Personalise above to see your own numbers.

London (Average)

Gross salary£44,000
Income tax-£6,286
National Insurance-£2,514
Take-home£35,200
Effective tax rate: 20%£2,933/mo

Cambridge

Gross salary£38,000
Income tax-£5,086
National Insurance-£2,034
Take-home£30,880
Effective tax rate: 18.7%£2,573/mo

You'd take home £4,320 less per year in Cambridge

Where Your Money Goes

Where Your Money Goes

How your monthly take-home splits between costs and what you keep.

London (Average)

Rent: £2,000Council Tax: £137Commute: £180Groceries: £325Energy: £135Lifestyle: £132Disposable: £125

Cambridge

Rent: £1,500Council Tax: £167Commute: £135Groceries: £316Energy: £125Lifestyle: £109Disposable: £300

London (Average) disposable

£125/mo

Cambridge disposable

£300/mo

London (Average)

Tight
TightManageableComfortable

£125/mo disposable

Cambridge

Manageable
TightManageableComfortable

£300/mo disposable

Living Costs

Salary (Area Median)

London (Average)

£44,000

Cambridge

£38,000

£6,000/yr worse off

Rent (2-bed)

London (Average)

£2,000/mo

Cambridge

£1,500/mo

£6,000/yr better off

Council Tax (Band D)

London (Average)

£1,640

Cambridge

£2,000

£360/yr worse off

Commute

London (Average)

£180/mo

Cambridge

£135/mo

£540/yr better off

Weekly Groceries

London (Average)

£75/wk

Cambridge

£73/wk

£104/yr better off

Energy Bills

London (Average)

£135/mo

Cambridge

£125/mo

£120/yr better off

Lifestyle (Pints, Cinema, Gym)

London (Average)

£132/mo

Cambridge

£109/mo

£271/yr better off
Property

If You're Buying

London (Average)

£530,000

Average house price

Cambridge

£510,000

Average house price

You could save £20,000 on a home in Cambridge. That's real money.

Price-to-income ratio

12.0x

London (Average) (median)

Price-to-income ratio

13.4x

Cambridge (median)

Lifestyle

Percentage of schools rated Outstanding or Good by Ofsted (England), Education Scotland, Estyn (Wales), or ETI (Northern Ireland).

London (Average)

Good
Outstanding: 25%Good: 62%87% good+

3208 schools in area

Cambridge

Good
Outstanding: 16%Good: 63%79% good+

135 schools in area

London (Average) has better-rated schools overall (87% good or outstanding vs 79% in Cambridge). Always check individual schools for your specific area.

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Your Move Summary

London (Average)Cambridge

£2,355/yr better off

Where you save

  • Rent+£6,000/yr
  • Commute+£540/yr
  • Lifestyle+£271/yr

Where you pay more

  • Take-home pay-£4,320/yr
  • Council Tax-£360/yr
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Government data, not guesswork

Data sourced from ONS, HMRC, and local authorities. Salaries are area medians - personalise above for your own numbers. Comparison based on 2-bed rental, Band D council tax, and typical usage. Always do your own sums before making big decisions. But at least now you know where to start.