United Kingdom • Updated 2026
Is it worth living in Cheltenham on £36,000?
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)
£2,375
Essentials total
£1,780
Disposable left
£595
Rent % of income
51%
Rent£1,200
Food£275
Transport£135
Utilities£170
Verdict
34/100 • Tight Rent in Cheltenham is the biggest challenge here, consuming over half your take-home pay. You will have some spending money, but big savings goals or frequent travel might be tight.
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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.