United Kingdom • Updated 2026
Is it worth living in Chester on £40,000?
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)
£2,602
Essentials total
£1,585
Disposable left
£1,017
Rent % of income
40%
Rent£1,050
Food£260
Transport£120
Utilities£155
Verdict
69/100 • Good Housing costs in Chester are high (around 40% of income), which will limit your ability to save. Your disposable income is healthy enough for a balanced lifestyle.
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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.