Financial Analyst · City comparison · 2026

Bristol vs Cambridge

Cambridge wins on purchasing power. Cambridge financial analysts have £430/month more disposable income after rent than their Bristol counterparts.

Bristol salary
£52,000
£3,393/mo take-home
Cambridge salary
£64,000
£3,973/mo take-home
Cambridge wins by
+£430
per month after rent
Winner on purchasing power
Cambridge

After paying rent, a financial analyst in Cambridge retains £430/month more than in Bristol — that's £5,160/year extra in purchasing power.

+£430
per month
Bristol
View full breakdown →
Gross salary £52,000
Net monthly £3,393
Rent (1-bed) £1,350
Rent-to-income 40% — Stretched
After rent £2,043
Cambridge
View full breakdown →
Gross salary £64,000
Net monthly £3,973
Rent (1-bed) £1,500
Rent-to-income 38% — Stretched
After rent £2,473

Bristol vs Cambridge: what the £430/month gap means for a financial analyst

On paper, Bristol financial analyst roles pay £12,000/year less than Cambridge. But take-home after tax and National Insurance tells a different story — Bristol workers keep £3,393/month versus £3,973/month in Cambridge.

The bigger picture is after rent. Average Bristol rent runs £1,350/month versus £1,500/month in Cambridge. Once housing costs are factored in, Cambridge workers have £2,473/month disposable income versus £2,043/month in Bristol — that is £5,160/year in real spending power.

Cambridge's rent-to-income ratio of 38% compares favourably to Bristol's 40%.

For financial analysts prioritising financial freedom, Cambridge delivers significantly more disposable income despite comparable gross pay.

Monthly cost comparison

All figures monthly · 2025/26

Category Bristol Cambridge Delta
Rent (1-bed median) £1,350 £1,500 +11%
Transport £80 £75 -6%
Council tax £148 £155 +5%
Groceries £285 £300 +5%
Disposable income remaining £1,394 £1,803 +29%

Sources: LinkedIn 2025 · Rightmove Q4 2025 · HMRC 2025/26 · Numbeo 2025

Cost-of-living equivalence

Based on a cost-of-living index of 75 for Bristol and 87 for Cambridge, a salary of £52,000 in Bristol delivers equivalent purchasing power to £60,300 in Cambridge.

Bristol £52,000 ≈
£60,300
in Cambridge

Income retention after all essentials

% of net monthly pay remaining after rent, transport, council tax and groceries

Bristol 41%
Cambridge 45%

Everyday costs

Estimated typical prices · scaled from Numbeo 2025

Cappuccino
Bristol £2.85
Cambridge £3.31
Transit (single trip)
Bristol £1.90
Cambridge £1.79
Gym membership
Bristol £41/mo
Cambridge £48/mo
Cinema ticket
Bristol £12.00
Cambridge £13.92

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Frequently asked questions

Does a financial analyst earn more in Bristol or Cambridge? +
Bristol pays a median £52,000 vs £64,000 in Cambridge — a gross difference of £12,000. However, after accounting for rent and living costs, Cambridge professionals have £430/month more disposable income, making it the stronger city in real terms.
What is the take-home pay for a financial analyst in Bristol vs Cambridge? +
In Bristol: gross £52,000£3,393/month net take-home. In Cambridge: gross £64,000£3,973/month net take-home. After paying median 1-bed rent, Bristol leaves £2,043/month vs Cambridge's £2,473/month.
What salary in Cambridge matches Bristol purchasing power? +
Approximately £60,300 in Cambridge delivers equivalent purchasing power to £52,000 in Bristol, based on a cost-of-living index of 75 (Bristol) vs 87 (Cambridge).
Is Bristol or Cambridge cheaper to live in? +
Bristol is cheaper overall, with a cost-of-living index of 75 vs 87 for Cambridge (London = 100). Rent in Bristol averages £1,350/month (1-bed) vs £1,500/month in Cambridge.
What is the rent-to-income ratio for a financial analyst in Bristol? +
A financial analyst in Bristol earning £52,000 takes home £3,393/month. With median 1-bed rent of £1,350/month, the rent-to-income ratio is 40% (stretched). In Cambridge the equivalent ratio is 38%.

Explore further

Affordability and salary breakdowns for Bristol and Cambridge

Afford Bristol on £50,000? Afford Cambridge on £65,000? Salary equivalence: Bristol → Cambridge Standard of living: Financial Analyst in Bristol Standard of living: Financial Analyst in Cambridge

Data sources & methodology

ONS Annual Survey of Hours and Earnings 2025 · Rightmove Rental Trends Tracker Q1 2026 · Numbeo Cost of Living 2026

Analysis by the SalaryDex data team · May 2026 · Corrections: [email protected] · Full methodology · Data transparency pledge