Remote vs Office · Foundation Doctor (FY1/FY2) · 2026

Exeter remote
vs London office

A foundation doctor (fy1/fy2) working remotely from Exeter earns £39,000 vs £39,068 in London. After costs, Exeter remote wins by £1,146/month. Break-even discount: 49%.

London salary
£39,068
office gross
Remote salary
£39,000
Exeter gross
Monthly advantage
+£1,146
Exeter remote
Break-even
49%
max salary cut

Head-to-Head Comparison

London Office
£39,068
Net monthly £2,637
Rent (1-bed) −£2,150
After rent £487/mo
RTI 82%
🏆 Exeter Remote
£39,000
Net monthly £2,633
Rent (1-bed) −£1,000
After rent £1,633/mo
RTI 38%

Full Financial Comparison

Metric London office Exeter remote Difference
Gross salary £39,068 £39,000 −£68
Net monthly £2,637 £2,633 −£4
Rent (1-bed) £2,150/mo £1,000/mo −£1,150
RTI % 82% 38% −£44%
After rent £487/mo £1,633/mo +£1,146/mo

Tax computed using HMRC 2025/26. Rent = Rightmove Q4 2025 median. Remote salary modelled at 0% discount from London rate.

Break-Even Calculator

You can accept up to a 49% salary reduction and still be better off than London.

Offered discount (0%) £39,000
Break-even discount (49%) £20,000
✓ The 0% offered discount is within the 49% break-even. Exeter remote wins financially.

Any remote salary above £20,000 in Exeter beats London financially after living costs.

Remote wins — Exeter delivers £1,146/month more disposable income

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Frequently Asked Questions

Is it financially better to be a foundation doctor (fy1/fy2) in Exeter remote or London office? +
Exeter remote wins. Despite earning £68 less (0% discount), a Exeter-based foundation doctor (fy1/fy2) has £1,146/month more after rent compared to a London office role. Rent in Exeter (£1,000/mo) vs London (£2,150/mo) more than compensates for the lower gross salary. RTI: 38% vs 82% in London.
What remote salary discount can I accept as a foundation doctor (fy1/fy2) in Exeter? +
You can accept up to a 49% salary reduction and still be better off than working in London. The typical offered remote discount for foundation doctor (fy1/fy2)s is 0%, which is comfortably within the break-even threshold. Any remote salary above £20,000 in Exeter leaves you better off than the London office role at £39,068.
What is the break-even remote salary for a foundation doctor (fy1/fy2) in Exeter? +
The break-even remote salary is £20,000 — 49% below the London rate of £39,068. At this salary, after-rent disposable income in Exeter exactly equals what you'd have working in London. The modelled remote salary of £39,000 (0% discount) is £19,000 above the break-even.

Related Pages

Foundation Doctor (FY1/FY2) salary in Exeter Afford Exeter on £40,000? Foundation Doctor (FY1/FY2) London vs Exeter Salary equivalence: London → Exeter