United Kingdom • Updated 2026
Is it worth living in Guildford on £46,000?
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)
£2,942
Essentials total
£2,245
Disposable left
£697
Rent % of income
54%
Rent£1,600
Food£300
Transport£160
Utilities£185
Verdict
28/100 • Tight Rent in Guildford 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. Overall, this salary is likely too low for an independent lifestyle in Guildford without compromises.
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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.