Cardiff vs Liverpool
Liverpool wins on purchasing power. Liverpool data / business analysts have £280/month more disposable income after rent than their Cardiff counterparts.
After paying rent, a data / business analyst in Liverpool retains £280/month more than in Cardiff — that's £3,360/year extra in purchasing power.
Cardiff vs Liverpool: what the £280/month gap means for a data / business analyst
On paper, Cardiff data / business analyst roles pay £3,000/year less than Liverpool. But take-home after tax and National Insurance tells a different story — Cardiff workers keep £2,513/month versus £2,693/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 £1,893/month disposable income versus £1,613/month in Cardiff — that is £3,360/year in real spending power.
Liverpool's rent-to-income ratio of 30% compares favourably to Cardiff's 36%.
For data / business analysts 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 £37,000 in Cardiff delivers equivalent purchasing power to £35,850 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
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