The Verdict
Exceptional Income
You are in the top tier of earners for Edinburgh. This income level supports a premium lifestyle, luxury housing, and aggressive wealth accumulation.
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Estimated Monthly Allocation
Monthly Net Income
£6,047
Housing & Utilities
£1,512Target 30-35% of net. Covers rent/mortgage in standard zones.
Groceries & Transport
£907Core living expenses adjusted for Edinburgh CPI.
Lifestyle & Leisure
£1,512Dining out, entertainment, and personal care.
Savings & Investment
£2,117Remaining allocation for long-term wealth.
Other salary checks in Edinburgh
Jump to adjacent income bands to stress test lifestyle outcomes.
Compare £120,000 across peer hubs
Same salary, different macro-region hubs to benchmark opportunity cost.
Adjust the Numbers
Salary FAQs
What does £120,000 translate to after tax in Edinburgh?↓
Our deterministic engine estimates roughly £72,568 per year (~£6,047 monthly) after United Kingdom income taxes and mandatory social contributions for a single filer.
Can £120,000 comfortably cover housing in Edinburgh?↓
Allocating about £1,512 (25% of monthly net income) keeps housing and utilities within the recommended 30–35% band even in core neighbourhoods.
How much could I save earning £120,000 in Edinburgh?↓
Following the Sovereign allocation, you could direct roughly £2,117 per month (35% of take-home pay) toward investments, reserves, or debt payoff.