London Cost of Living 2025/26
£45,112 Salary in London
On a £45,112 salary in London, your take-home pay is £3,000.02/month. Here's what that means for your London lifestyle.
Gross Salary
£45,112
per year
Take Home
£3,000.02
per month
Max Rent (35%)
£1,050.01
recommended
Assessment
Tight Budget
for London
What £45,112 Gets You in London
Tight Budget for London
Flatshare recommended. Living alone requires careful budgeting
Recommended Housing
Based on the 35% rent rule (max £1,050.01/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£1,500.02
Rent: 30% of net income
1-Bed Zone 3
Rent-£1,500.00
Transport-£180.00
Groceries & Bills-£450.00
Disposable£870.02
Rent: 50% of net income (high)
1-Bed Zone 2
Rent-£1,800.00
Transport-£160.00
Groceries & Bills-£450.00
Disposable£590.02
Rent: 60% of net income (high)
Key Insights for £45,112 in London
Savings Potential
Saving is possible with a flatshare arrangement, expect £200-500/month with discipline
Zone Recommendation
Zone 3-4 recommended, or flatshare in Zone 2
Lifestyle
Limited dining out, budget-conscious social activities
Comparison to Average
The average London salary is ~£45,000. You earn 0% above average.