Financial Analyst · City comparison · 2026
Cardiff vs London
Cardiff wins on purchasing power. Cardiff financial analysts have £62/month more disposable income after rent than their London counterparts.
Cardiff salary
£44,000
£2,933/mo take-home
London salary
£65,000
£4,021/mo take-home
Cardiff wins by
+£62
per month after rent
Winner on purchasing power
Cardiff
After paying rent, a financial analyst in Cardiff retains £62/month more than in London — that's £744/year extra in purchasing power.
+£62
per month
Cardiff
View full breakdown →
Gross salary
£44,000
Net monthly
£2,933
Rent (1-bed)
£900
Rent-to-income
31% — Comfortable
After rent
£2,033
London
View full breakdown →
Gross salary
£65,000
Net monthly
£4,021
Rent (1-bed)
£2,050
Rent-to-income
51% — High pressure
After rent
£1,971
Cost-of-living equivalence
Based on a cost-of-living index of 64 for Cardiff and 100 for London, a salary of £44,000 in Cardiff delivers equivalent purchasing power to £68,750 in London.
Cardiff £44,000 ≈
£68,750
in London
Income retention after all essentials
% of net monthly pay remaining after rent, transport, council tax and groceries
Cardiff
50%
London
29%
Everyday costs
Estimated typical prices · scaled from Numbeo 2025
Cappuccino
Cardiff
£2.43
London
£3.80
Transit (single trip)
Cardiff
£1.19
London
£4.40
Gym membership
Cardiff
£35/mo
London
£55/mo
Cinema ticket
Cardiff
£10.24
London
£16.00
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Frequently asked questions
Does a financial analyst earn more in Cardiff or London? +
Cardiff pays a median £44,000 vs £65,000 in London
— a gross difference of £21,000.
However, after accounting for rent and living costs, Cardiff professionals
have £62/month more disposable income, making it the stronger city in real terms.
What is the take-home pay for a financial analyst in Cardiff vs London? +
In Cardiff: gross £44,000 → £2,933/month net take-home.
In London: gross £65,000 → £4,021/month net take-home.
After paying median 1-bed rent, Cardiff leaves £2,033/month
vs London's £1,971/month.
What salary in London matches Cardiff purchasing power? +
Approximately £68,750 in London delivers equivalent purchasing power to
£44,000 in Cardiff, based on a cost-of-living index of
64 (Cardiff) vs 100 (London).
Is Cardiff or London cheaper to live in? +
Cardiff is cheaper overall, with a cost-of-living index of 64 vs 100 for London (London = 100).
Rent in Cardiff averages £900/month (1-bed)
vs £2,050/month in London.
What is the rent-to-income ratio for a financial analyst in Cardiff? +
A financial analyst in Cardiff earning £44,000 takes home
£2,933/month. With median 1-bed rent of £900/month,
the rent-to-income ratio is 31%
(comfortable).
In London the equivalent ratio is 51%.