Content reviewed · 2026/27 tax year
Is £40,000 a Good Salary in Cardiff?
On £40,000, you'll take home £2,560/month after tax and NI
Salary Calculation Results
Your Take-Home Pay
Annual (net)
£30,720
Monthly
£2,560
Income Tax
£5,086
National Insurance
£2,194
How £40,000 Compares in Cardiff
Cardiff scenario: £31,50027% above
UK median (April 2025): £39,0392% above
What Your Money Gets You in Cardiff
Housing
Average 1-bed rent£700/mo
% of take-home pay27% — Below 30% of net pay
A 30% rent-to-net-pay threshold is a budgeting heuristic, not an affordability or eligibility test. Use your actual rent, debts, childcare and other commitments.
To buy the illustrative Cardiff home (£235,000):
10% deposit: £23,500
Mortgage: £211,500
Monthly repayment: £1,176/mo
Stamp duty: £600
Remaining after modelled costs
Monthly take-home£2,560
Rent (1-bed assumption)−£700
Council tax, energy, commute, food−£630
Approximate disposable income£1,230/mo
£40,000 in Other Cities
| City | Take-Home/mo | Avg Rent | Remaining |
|---|---|---|---|
| Cardiff (this page) | £2,560 | £700 | £1,230 |
| London | £2,560 | £1,500 | £350 |
| Manchester | £2,560 | £850 | £1,080 |
| Birmingham | £2,560 | £750 | £1,180 |
| Leeds | £2,560 | £750 | £1,180 |
| Glasgow | £2,556 | £700 | £1,226 |
Related Salary Pages
Different salaries in Cardiff:
£40,000 in other cities:
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