Cardiff vs Edinburgh
Edinburgh wins on purchasing power. Edinburgh product managers have £306/month more disposable income after rent than their Cardiff counterparts.
After paying rent, a product manager in Edinburgh retains £306/month more than in Cardiff — that's £3,672/year extra in purchasing power.
Cardiff vs Edinburgh: what the £306/month gap means for a product manager
On paper, Cardiff product manager roles pay £14,000/year less than Edinburgh. But take-home after tax and National Insurance tells a different story — Cardiff workers keep £3,683/month versus £4,189/month in Edinburgh.
The bigger picture is after rent. Average Cardiff rent runs £900/month versus £1,100/month in Edinburgh. Once housing costs are factored in, Edinburgh workers have £3,089/month disposable income versus £2,783/month in Cardiff — that is £3,672/year in real spending power.
Edinburgh's rent-to-income ratio of 26% compares favourably to Cardiff's 24%.
For product managers prioritising financial freedom, Edinburgh 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 72 for Edinburgh, a salary of £58,000 in Cardiff delivers equivalent purchasing power to £65,250 in Edinburgh.
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
Financial tools
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