UK Cost of Living Calculator 2026
Estimate your monthly living costs and the salary you need to cover them.
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| Total Monthly Expenses | £1,840 |
| Total Annual Expenses | £22,080 |
| Required Gross Annual Salary | £25,778 |
Gross salary estimate accounts for income tax and National Insurance (England, 2025/26). Assumes standard personal allowance and no pension contributions.
Understanding your cost of living helps you know what salary you need. The UK's cost of living varies significantly by region — London is typically 30–40% more expensive than the rest of the UK. Use our Required Salary Calculator to find the salary that covers your expenses.
How It Works
Average UK monthly costs (2026 estimates):
- Rent (1-bed, outside London): £800–£1,200/month
- Rent (1-bed, London): £1,500–£2,500/month
- Food & groceries: £200–£400/month
- Transport: £100–£300/month
- Utilities (gas, electricity, water): £150–£250/month
- Broadband & phone: £50–£80/month
- Leisure & entertainment: £100–£300/month
Total (outside London): approximately £1,500–£2,500/month
Total (London): approximately £2,500–£4,000/month