Frequently Asked Questions
Is £23,500 a good accountant (qualified) salary in Cardiff?
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£23,500 is the entry-level accountant (qualified) salary in Cardiff, representing 65% of the median (£36,000).
Net take-home is £1,703/month after tax and NI.
Rent-to-income is 53% — stressed.
At 23% below the Cardiff all-worker median of £30,500, cost management is important at this level.
What is the average accountant (qualified) salary in Cardiff?
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The median Cardiff accountant (qualified) salary is £36,000 (ONS 2025).
The lower quartile (P25) is £28,000 and the upper quartile (P75) is £46,000.
Entry-level roles typically start around £23,500,
while senior professionals reach £52,000.
How much can a accountant (qualified) in Cardiff save each month?
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On £23,500 in Cardiff, after rent (£900/mo), council tax (£132/mo),
transport (£50/mo) and groceries & utilities (£388/mo),
estimated monthly savings capacity is approximately £0/month.
At this salary level in Cardiff, solo living leaves little room to save — shared housing would significantly improve savings capacity.
What is the rent-to-income ratio for a accountant (qualified) in Cardiff?
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On £23,500 in Cardiff, the rent-to-income ratio for a 1-bed flat is 53%.
The guideline for comfortable solo living is under 33%.
To achieve a 33% RTI on a Cardiff 1-bed (£900/mo),
you need approximately £32,500 gross annual salary.