Updated 2026 · 2024/25 UK tax rates · Drag the slider to your salary
Monthly take-home
£2,693
Total essentials
£2,743
Left each month
£-50
Affordability verdict — Just me
London is expensive relative to £40k. Consider a lower-cost city nearby, or look for a role paying 20–30% more before committing to the move.
1-bed flat, single income. Rent is a 71% share of your take-home pay.
Claim 25% single-person discount — it is not automatic.
Ofgem cap estimate for a 1-bed property. Actual varies by insulation and usage.
Standard fibre (50–100 Mbps). Sky, BT, Virgin or local provider.
Metered or rateable value charge depending on property.
1 adult, mid-range supermarket shopping.
Monthly Travelcard Zones 1–3. Bus-only commuters pay ~£105.
Costs sourced from GOV.UK, Ofgem, Water UK and ONS 2025/26. Individual costs vary by property, usage and lifestyle.
Same salary and household — different cities.
The score (0–99) weighs three factors using your actual household costs:
Costs are household-specific estimates from national data sources. Individual circumstances vary.
Get your personalised visa guide, NHS costs, housing advice and step-by-step settling-in checklist.
Start your relocation plan →⚠️ Figures are estimates based on 2024/25 UK tax rates and 2025/26 cost data. Not financial advice.