United Kingdom • Updated 2026
Is it worth living in Oxford on £120,000?
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)
£6,554
Essentials total
£2,280
Disposable left
£4,274
Rent % of income
25%
Rent£1,650
Food£300
Transport£150
Utilities£180
Verdict
92/100 • Excellent Rent takes up a standard portion of your income, neither too cheap nor dangerously expensive. You should have a very comfortable lifestyle with significant room for savings, travel, and leisure. Overall, this salary goes a very long way in Oxford.
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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.