Full list of UK cities ranked by how much money residents have left after bills each month

If it feels like all your hard-earned money is going on bills, then you are not alone.

According to figures from MoneySuperMarket, Brits have less to spend each month with disposable income down from £900.91 in October 2025 to £725.15 in October 2026.

But the amount of disposable money people have varies widely depending on where they live.

As you’d expect, London tops the list with residents having an average of 898.90 left each month after bills. This is despite the capital having the highest monthly outgoings at £1,703.60.

At the other end of the table is Norwich, where people have just £428.43 remaining each month. Residents there spend around 77% of their take-home income on bills and everyday expenses.

While research found that people are generally spending less on bills, their reported incomes have fallen by even more.

Average monthly take-home pay has dropped from £2,558.58 to £2,203 over the past year, while monthly household outgoings have fallen from £1,657.67 to £1,477.85.

This means bills and everyday expenses now take up 67% of people's income, compared with 65% last year.

Full list of UK cities ranked by money left after bills

London tops the list (Getty Stock Images)

1. London – £898.90
2. Belfast – £802.76
3. Edinburgh – £772.41
4. Birmingham – £725.21
5. Southampton – £719.17
6. Sheffield – £692.11
7. Manchester – £685.90
8. Liverpool – £674.89
9. Newcastle – £669.09
10. Cardiff – £655.61
11. Leeds – £651.00
12. Nottingham – £649.97
13. Brighton – £628.71
14. Glasgow – £625.73
15. Bristol – £591.07
16. Plymouth – £503.79
17. Norwich – £428.43

All consumer polling figures are from five separate polls of 8,000 adults (Getty Stock Images)

Kara Gammell, Personal Finance Expert at MoneySuperMarket, said: "Compared with a year ago, people report spending less on a range of household bills and everyday costs. But reported incomes have fallen even faster, leaving the average person with around £175.76 less each month after those costs have been covered.

"The regional picture tells a similar story. The places with the highest household costs aren't always the places where people feel the greatest squeeze. What matters is not just what people spend, but how much income they have left afterwards.

"We're also starting to see signs that some everyday costs are edging upwards again as we head towards winter. At a time when household budgets remain under pressure, regularly reviewing your outgoings, understanding what you're paying for and comparing your options can help create some much-needed room in your monthly budget."

Lis Barton, Chief Customer Officer of MONY Group, parent company of MoneySuperMarket, added: "This year’s MoneySuperMarket Household Money Index shows just how resourceful people are when it comes to looking after their future finances. We’re calling them the ‘Future Me Funders’. Our research reveals that more than half of people across the UK are finding creative ways to free up money and put it towards their future. We recently launched Savings and Investments by MoneySuperMarket to make it even easier for 'Future Me Funders' by offering a wealth of options all within the MoneySuperMarket app."

Visit https://www.moneysupermarket.com/household-money-index/ to find out more.