Cardiff vs Liverpool
Liverpool wins on purchasing power. Liverpool product managers have £293/month more disposable income after rent than their Cardiff counterparts.
After paying rent, a product manager in Liverpool retains £293/month more than in Cardiff — that's £3,516/year extra in purchasing power.
Cardiff vs Liverpool: what the £293/month gap means for a product manager
On paper, Cardiff product manager roles pay £4,000/year less than Liverpool. But take-home after tax and National Insurance tells a different story — Cardiff workers keep £3,683/month versus £3,876/month in Liverpool.
The bigger picture is after rent. Average Cardiff rent runs £900/month versus £800/month in Liverpool. Once housing costs are factored in, Liverpool workers have £3,076/month disposable income versus £2,783/month in Cardiff — that is £3,516/year in real spending power.
Liverpool's rent-to-income ratio of 21% compares favourably to Cardiff's 24%.
For product managers prioritising financial freedom, Liverpool 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 62 for Liverpool, a salary of £58,000 in Cardiff delivers equivalent purchasing power to £56,200 in Liverpool.
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
Popular products for UK earners