London Cost of Living 2025/26
£20,112 Salary in London
On a £20,112 salary in London, your take-home pay is £1,500.02/month. Here's what that means for your London lifestyle.
Gross Salary
£20,112
per year
Take Home
£1,500.02
per month
Max Rent (35%)
£525.01
recommended
Assessment
Very Challenging
for London
What £20,112 Gets You in London
Very Challenging for London
May struggle with London costs. Consider outer zones
Recommended Housing
Based on the 35% rent rule (max £525.01/month), you can comfortably afford:
Room in shared house
Average: £900.00/month (£700-1,200)
Monthly Budget Scenarios
Shared House
Rent-£900.00
Transport-£150.00
Groceries & Bills-£450.00
Disposable£0.02
Rent: 60% of net income (high)
1-Bed Zone 3
Rent-£1,500.00
Transport-£180.00
Groceries & Bills-£450.00
Disposable-£629.98
Rent: 100% of net income (high)
1-Bed Zone 2
Rent-£1,800.00
Transport-£160.00
Groceries & Bills-£450.00
Disposable-£909.98
Rent: 120% of net income (high)
Key Insights for £20,112 in London
Savings Potential
Saving will be challenging. Focus on building an emergency fund first
Zone Recommendation
Zone 4+ or shared housing in Zone 3
Lifestyle
Free/low-cost activities, cooking at home essential
Comparison to Average
The average London salary is ~£45,000. You earn 55% below average.