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Software Engineer salary in Reading

2025/26 tax year · ONS ASHE 2025 · 1-bed median rent

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Gross salary
£63,000
avg per year
Take home pay
£3,925
per month
Avg rent/1 bed
£1,350
per month
After rent
£2,575
per month
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Full pay breakdown

Item Annual Monthly
Gross salary £63,000 £5,250
Income tax −£12,632 −£1,053
National Insurance −£3,271 −£273
Net take-home £47,097 £3,925
Rent (1-bed median) — −£1,350
Council tax (est.) — −£150
Transport cost — −£85
After rent monies left in pocket — £2,575
Rent-to-income ratio: 34%
Rent as a share of net monthly pay
Stretched

Salary range in Reading

Salary distribution of Software Engineer earners · ONS ASHE 2025

MEDIAN£63,000P0P25P50P75P100
25th percentile earns
£50,000
Median earnings
£63,000
75th percentile earns
£79,000

Housing affordability

Rent-to-income analysis · Software Engineer in Reading

66Stretched34% RTIRent-to-Income
Affordability score
Monthly breakdown
Take-home£3,925
Rent (1-bed)−£1,350
Council tax−£150
Transport−£85
Disposable£2,340
💡 Aim for rent ≤ 30% of gross income
Rent-to-Income (RTI) scale
0% = no rent · 100% = all income on rent
04070100
Comfortable
Moderate
High Risk
Full affordability breakdown for Reading →
Recommendations
Trim discretionary spend
Review subscriptions and variable costs to improve your monthly surplus.
Target a pay rise
A 10% salary increase would meaningfully improve your RTI and monthly headroom.
House-sharing option
Splitting a 2-bed could bring your rent share well below the 30% threshold.

Frequently asked questions

What is the average Software Engineer salary in Reading? +
The median Software Engineer salary in Reading is £63,000 per year, based on ONS ASHE 2025 data. The middle 50% of earners fall between £50,000 and £79,000. The UK median for this role across all cities is approximately £54,500.
What is the monthly take-home pay for a Software Engineer in Reading? +
On a gross salary of £63,000, a Software Engineer in Reading pays £12,632 in income tax and £3,271 in National Insurance (2025/26 tax year), leaving a net monthly take-home of £3,925.
Can a Software Engineer afford to live in Reading? +
With take-home pay of £3,925/mo and a median 1-bed rent of £1,350/mo, a Software Engineer in Reading has £2,575/mo left after rent — a rent-to-income ratio of 34% (stretched). After council tax (£150/mo) and transport (£85/mo), disposable income is approximately £2,340/mo.

Software Engineer salary in other cities

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