Financial Analyst · City comparison · 2026
Cardiff vs Newcastle
Newcastle wins on purchasing power. Newcastle financial analysts have £270/month more disposable income after rent than their Cardiff counterparts.
Cardiff salary
£44,000
£2,933/mo take-home
Newcastle salary
£46,000
£3,053/mo take-home
Newcastle wins by
+£270
per month after rent
Winner on purchasing power
Newcastle
After paying rent, a financial analyst in Newcastle retains £270/month more than in Cardiff — that's £3,240/year extra in purchasing power.
+£270
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
Newcastle
View full breakdown →
Gross salary
£46,000
Net monthly
£3,053
Rent (1-bed)
£750
Rent-to-income
25% — Comfortable
After rent
£2,303
Cost-of-living equivalence
Based on a cost-of-living index of 64 for Cardiff and 61 for Newcastle, a salary of £44,000 in Cardiff delivers equivalent purchasing power to £41,950 in Newcastle.
Cardiff £44,000 ≈
£41,950
in Newcastle
Income retention after all essentials
% of net monthly pay remaining after rent, transport, council tax and groceries
Cardiff
50%
Newcastle
57%
Everyday costs
Estimated typical prices · scaled from Numbeo 2025
Cappuccino
Cardiff
£2.43
Newcastle
£2.32
Transit (single trip)
Cardiff
£1.19
Newcastle
£1.79
Gym membership
Cardiff
£35/mo
Newcastle
£34/mo
Cinema ticket
Cardiff
£10.24
Newcastle
£9.76
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Frequently asked questions
Does a financial analyst earn more in Cardiff or Newcastle? +
Cardiff pays a median £44,000 vs £46,000 in Newcastle
— a gross difference of £2,000.
However, after accounting for rent and living costs, Newcastle professionals
have £270/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 Newcastle? +
In Cardiff: gross £44,000 → £2,933/month net take-home.
In Newcastle: gross £46,000 → £3,053/month net take-home.
After paying median 1-bed rent, Cardiff leaves £2,033/month
vs Newcastle's £2,303/month.
What salary in Newcastle matches Cardiff purchasing power? +
Approximately £41,950 in Newcastle delivers equivalent purchasing power to
£44,000 in Cardiff, based on a cost-of-living index of
64 (Cardiff) vs 61 (Newcastle).
Is Cardiff or Newcastle cheaper to live in? +
Newcastle is cheaper overall, with a cost-of-living index of 61 vs 64 for Cardiff (London = 100).
Rent in Cardiff averages £900/month (1-bed)
vs £750/month in Newcastle.
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 Newcastle the equivalent ratio is 25%.