Can I afford to {Live} in the UK?
A personalised breakdown of salaries, housing, healthcare, schools and visa routes — tailored to where you're coming from and where you're headed.
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Moving to the UK? Get a free personalised plan — salaries, housing costs, NHS, visa routes and a step-by-step checklist tailored to where you're coming from.
Quick Check
Result
30.0% of income on rent
Manageable but tight
- Your rent is £9,000.00/year
- You have £1,750.00 left after rent each month
All calculations stay in your browser. We never store your data.
Our most powerful calculators
For the big financial decisions — not just quick checks.
Mortgage Amortisation Calculator
See exactly how your mortgage payments split between interest and capital — year by year. Find your crossover point, visualise the full schedule, and understand the true cost of your mortgage.
Contractor Day Rate Calculator
Compare inside vs outside IR35 take-home. Limited company vs umbrella. See your equivalent permanent salary and a full breakdown of where every pound of your day rate goes.
All Tools
Rent Affordability
Check if your rent is a comfortable share of your UK take-home pay.
Monthly Budget
See how much you have left after rent, bills, and savings.
Take-Home Pay
Calculate your exact take-home after tax, NI, pension, and student loan.
Subscription Check
Check if another subscription is affordable on your UK income.
Car Affordability
See if car payments and running costs fit your monthly income.
Holiday Savings
Work out how long until you can afford your holiday.
Savings Goal
See how long until you hit your savings target.
Mortgage Amortisation
See how your mortgage payments split between interest and capital over the full term.
Contractor Calculator
Compare inside vs outside IR35 take-home. Limited company vs umbrella.
Why use these tools?
Whether you are renting your first flat, sharing a house, or weighing a new subscription or car payment, UK money decisions often come down to simple rules of thumb: keep rent near 30% of take-home pay, know what is left after bills, and pause before impulse buys. Our calculators turn those guidelines into instant numbers in pounds — no sign-up, no spreadsheets.
They are built for everyday situations, not as regulated financial advice. Landlords, lenders, and your own circumstances may differ. Use the results as a starting point, then do your own research or speak to a qualified adviser for major commitments like mortgages or debt.
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Read →How UK Inflation Is Eating Your Take-Home Pay in 2026
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Read →UK money decisions, made simpler
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