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

Liverpool remote
vs London office

A foundation doctor (fy1/fy2) working remotely from Liverpool earns £39,000 vs £39,068 in London. After costs, Liverpool remote wins by £1,346/month. Break-even discount: 58%.

London salary
£39,068
office gross
Remote salary
£39,000
Liverpool gross
Monthly advantage
+£1,346
Liverpool remote
Break-even
58%
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%
🏆 Liverpool Remote
£39,000
Net monthly £2,633
Rent (1-bed) −£800
After rent £1,833/mo
RTI 30%

Full Financial Comparison

Metric London office Liverpool remote Difference
Gross salary £39,068 £39,000 −£68
Net monthly £2,637 £2,633 −£4
Rent (1-bed) £2,150/mo £800/mo −£1,350
RTI % 82% 30% −£52%
After rent £487/mo £1,833/mo +£1,346/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 58% salary reduction and still be better off than London.

Offered discount (0%) £39,000
Break-even discount (58%) £16,500
✓ The 0% offered discount is within the 58% break-even. Liverpool remote wins financially.

Any remote salary above £16,500 in Liverpool beats London financially after living costs.

Remote wins — Liverpool delivers £1,346/month more disposable income

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Frequently Asked Questions

Is it financially better to be a foundation doctor (fy1/fy2) in Liverpool remote or London office? +
Liverpool remote wins. Despite earning £68 less (0% discount), a Liverpool-based foundation doctor (fy1/fy2) has £1,346/month more after rent compared to a London office role. Rent in Liverpool (£800/mo) vs London (£2,150/mo) more than compensates for the lower gross salary. RTI: 30% vs 82% in London.
What remote salary discount can I accept as a foundation doctor (fy1/fy2) in Liverpool? +
You can accept up to a 58% 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 £16,500 in Liverpool 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 Liverpool? +
The break-even remote salary is £16,500 — 58% below the London rate of £39,068. At this salary, after-rent disposable income in Liverpool exactly equals what you'd have working in London. The modelled remote salary of £39,000 (0% discount) is £22,500 above the break-even.

Related Pages

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