Cardiff vs Liverpool
Liverpool wins on purchasing power. Liverpool accountant (qualified)s have £580/month more disposable income after rent than their Cardiff counterparts.
After paying rent, a accountant (qualified) in Liverpool retains £580/month more than in Cardiff — that's £6,960/year extra in purchasing power.
Cardiff vs Liverpool: what the £580/month gap means for a accountant (qualified)
On paper, Cardiff accountant (qualified) roles pay £8,000/year less than Liverpool. But take-home after tax and National Insurance tells a different story — Cardiff workers keep £2,453/month versus £2,933/month in Liverpool.
The bigger picture is after rent. Average Cardiff rent runs £900/month versus £800/month in Liverpool. Once housing costs are factored in, Liverpool workers have £2,133/month disposable income versus £1,553/month in Cardiff — that is £6,960/year in real spending power.
Liverpool's rent-to-income ratio of 27% compares favourably to Cardiff's 37%.
For accountant (qualified)s prioritising financial freedom, Liverpool delivers significantly more disposable income despite comparable gross pay.
Cost-of-living equivalence
Based on a cost-of-living index of 64 for Cardiff and 62 for Liverpool, a salary of £36,000 in Cardiff delivers equivalent purchasing power to £34,900 in Liverpool.
Income retention after all essentials
% of net monthly pay remaining after rent, transport, council tax and groceries
Everyday costs
Estimated typical prices · scaled from Numbeo 2025
Financial tools
Popular products for UK earners