United Kingdom • Updated 2026
Is it worth living in Cardiff on £48,000?
Compare take-home pay vs essentials (rent, food, transport, utilities). Use sliders to match your situation — then judge by disposable left + rent pressure.
Take-home (monthly)
£3,055
Essentials total
£1,485
Disposable left
£1,570
Rent % of income
31%
Rent£950
Food£260
Transport£120
Utilities£155
Verdict
83/100 • Excellent Rent takes up a standard portion of your income, neither too cheap nor dangerously expensive. Your disposable income is healthy enough for a balanced lifestyle. Overall, this salary goes a very long way in Cardiff.
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FAQ
Is this accurate?
It’s a consistent baseline for comparisons. Sliders let you match your real situation.
What comfort score is “good”?
Rough guide: 70+ comfortable, 50–69 okay, 30–49 tight, below 30 struggle.
What’s the best lever?
Rent. If rent is high relative to take-home, the outcome is tight even on decent salaries.