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London (Average)London
CardiffWales

You'd be £5,483/year better off in Cardiff

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

Over 5 years, that's £30,887 in your pocket
Moving costs (£3,000-£5,000) paid back in 7-11 months

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

Cardiff

Gross salary£31,000
Income tax-£3,686
National Insurance-£1,474
Take-home£25,840
Effective tax rate: 16.6%£2,153/mo

You'd take home £9,360 less per year in Cardiff

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

Cardiff

Rent: £950Council Tax: £140Commute: £95Groceries: £277Energy: £120Lifestyle: £89Disposable: £543

London (Average) disposable

£125/mo

Cardiff disposable

£543/mo

London (Average)

Tight
TightManageableComfortable

£125/mo disposable

Cardiff

Manageable
TightManageableComfortable

£543/mo disposable

Living Costs

Salary (Area Median)

London (Average)

£44,000

Cardiff

£31,000

£13,000/yr worse off

Rent (2-bed)

London (Average)

£2,000/mo

Cardiff

£950/mo

£12,600/yr better off

Council Tax (Band D)

London (Average)

£1,640

Cardiff

£1,680

About the same

Commute

London (Average)

£180/mo

Cardiff

£95/mo

£1,020/yr better off

Weekly Groceries

London (Average)

£75/wk

Cardiff

£64/wk

£572/yr better off

Energy Bills

London (Average)

£135/mo

Cardiff

£120/mo

£180/yr better off

Lifestyle (Pints, Cinema, Gym)

London (Average)

£132/mo

Cardiff

£89/mo

£511/yr better off
Property

If You're Buying

London (Average)

£530,000

Average house price

Cardiff

£260,000

Average house price

You could save £270,000 on a home in Cardiff. That's real money.

Price-to-income ratio

12.0x

London (Average) (median)

Price-to-income ratio

8.4x

Cardiff (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

Cardiff

Average
Outstanding: 10%Good: 53%63% good+

268 schools in area

London (Average) has better-rated schools overall (87% good or outstanding vs 63% in Cardiff). Always check individual schools for your specific area.

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Your Move Summary

London (Average)Cardiff

£5,483/yr better off

Where you save

  • Rent+£12,600/yr
  • Commute+£1,020/yr
  • Groceries+£572/yr

Where you pay more

  • Take-home pay-£9,360/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.