Bristol vs Cardiff
Bristol wins on purchasing power. Bristol financial analysts have £10/month more disposable income after rent than their Cardiff counterparts.
After paying rent, a financial analyst in Bristol retains £10/month more than in Cardiff — that's £120/year extra in purchasing power.
Bristol vs Cardiff: what the £10/month gap means for a financial analyst
On paper, Bristol financial analyst roles pay £8,000/year more than Cardiff. But take-home after tax and National Insurance tells a different story — Bristol workers keep £3,393/month versus £2,933/month in Cardiff.
The bigger picture is after rent. Average Bristol rent runs £1,350/month versus £900/month in Cardiff. Once housing costs are factored in, Bristol workers have £2,043/month disposable income versus £2,033/month in Cardiff — that is £120/year in real spending power.
Bristol's rent-to-income ratio of 40% compares favourably to Cardiff's 31%.
Cost-of-living equivalence
Based on a cost-of-living index of 75 for Bristol and 64 for Cardiff, a salary of £52,000 in Bristol delivers equivalent purchasing power to £44,350 in Cardiff.
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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