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Original poster

Household income. Where are you?

416 replies

chonka901 · 26/01/2025 11:43

https://ifs.org.uk/toolsanddresources/wheredooyoufitt_in

Using this link and putting in everything joint net income ,including child benefit and maintenance which I think it takes into account. It has us at 73 percent. Not a stealth boast before any states that. Genuinely surprised.

I certainly don't feel like this but appreciate people survive on less. It doesn't take into account mortgages, rent, generational wealth, inheritance, childcare etc so is a guide.

It is eye opening though.

I feel poor compared to my friends though. We definitely are not the London elite. Just public sector workers in the North. I guess the maintenance helps. My friends must be in the top 20 percent.

OP posts:
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Vettrianofan · 29/01/2025 07:05

Higher income than 17% of the population.

SapphireSeptember · 29/01/2025 07:01

chonka901 · 26/01/2025 15:26

@nellythe

Was going to say the same thing. I knew mumsmet had a lot of high earners but where are all the 30-60 people?

Here. Single mum on maternity leave, I get £1000 or so universal credit every month, £100-125 child benefit (depending on how many Mondays there are in a month) and about £800 in maternity pay (which will dwindle to nothing soon and I can't go back to work when my maternity leave ends as I can't afford childcare.) My ex pays nothing for our DS, even though he works so much he can never see DS, because he can't afford it. 🙄 (I'm going to put in a claim with CMS because it's ridiculous, the excuses he's been coming up with.)

JHound · 28/01/2025 15:38

MasterBeth · 27/01/2025 20:22

Good grief, this makes me so angry!

Of course it doesn't take expenditure into account! It's an income indicator! Your school fees are expenditure! They're what you choose to spend your massive income on!

"95% but this doesn't take my heroin habit into account, so I certainly don't feel like it."

Show quote history

That comment (not yours) was peak mumsnet.

”I don’t feel reach because this income tool does not take into account my overseas holidays and private jet”

😂

Karaxis · 28/01/2025 15:31

13%. Which feels pretty accurate considering how life is.

dh280125 · 28/01/2025 12:33

After tax, after housing 98% and after tax also 98%... And yet I don't feel rich. Should I be ashamed to think that?

Itsawicked · 28/01/2025 12:31

99% with the deductions it asks for, that last % has a huge variety though of which this calculation doesn’t differentiate

FishMouse · 28/01/2025 12:16

40%, 2 kids. We are managing but have no long term savings. Mortgage is running into our seventies now. Just grateful I'm no longer renting.

BTshun · 28/01/2025 11:24

In conclusion, Your after housing cost income is so high that you lie beyond the far right hand side of the chart

(They haven't taken school fees into consideration. It's why I'm still shopping in Zara and not Chanel)

Gill123789 · 28/01/2025 06:17

67% for me, 2 kids under 13 - I work part time and my husband works full time. I’m surprised at this as we definitely are feeling the pinch

Simpledimples · 28/01/2025 04:03

49%. Single parent, one child. Usually have £1.2k left disposable after all bills etc so I feel like we are fine but not swimming in cash!

InvisibilityCloakActivated · 28/01/2025 03:32

14%

Bjorkdidit · 28/01/2025 03:21

But someone with a lower income simply wouldn't be able to put themselves in a position where they had 'huge debts' for IVF, because they wouldn't qualify for the loan and if they did, they wouldn't be able to pay it back, that's the point people like @MasterBeth are trying to make you see.

These threads always go the same way. Lots of highly paid people insisting that they aren't well off because they spend all their money on very expensive versions of essentials that aren't on the radar of people on average incomes because they simply can't afford them.

AlleycatMarie · 27/01/2025 22:52

Mine is 93% without taking housing into account and 89% with. It doesn’t take into account the huge debts we have from IVF though, so it certainly doesn’t feel like we are that well-off!

tachetastic · 27/01/2025 21:46

MasterBeth · 27/01/2025 20:22

Good grief, this makes me so angry!

Of course it doesn't take expenditure into account! It's an income indicator! Your school fees are expenditure! They're what you choose to spend your massive income on!

"95% but this doesn't take my heroin habit into account, so I certainly don't feel like it."

Show quote history

But is does take into account housing costs. Isn't whether you live in a small flat or a massive house also an expenditure choice? Perhaps deducting a standardised housing cost per person in a family would be a better way of stripping out all of those choices.

I've never been a heroin addict. Now Amazon Prime. That's my drug of choice! 😱

ThisFluentBiscuit · 27/01/2025 21:15

Single and divorced, 69%.

Eldermillenialyogi · 27/01/2025 21:02

96%

noodlebugz · 27/01/2025 20:57

90% - when done without housing costs is probably fair.
But with nursery fees / big mortgage we are struggling to go on holiday. We have a new budget for day to day expenses so hopefully we will be able to go this year (UK nothing fancy) but not sure.

noodlebugz · 27/01/2025 20:51

This reply has been deleted

This has been deleted by MNHQ for breaking our Talk Guidelines.

@ThatOchreRobin We pay (North Leeds)£88 / day for nursery. Some that are cheaper may be £70 / day.

Most expensive in Leeds is roughly the same for a day in nursery as a weekday accommodation cost.

MasterBeth · 27/01/2025 20:22

tachetastic · 26/01/2025 14:44

95%, but this doesn’t take into account school fee so we certainly don’t feel it.

Edited

Good grief, this makes me so angry!

Of course it doesn't take expenditure into account! It's an income indicator! Your school fees are expenditure! They're what you choose to spend your massive income on!

"95% but this doesn't take my heroin habit into account, so I certainly don't feel like it."

SparklyLimeJoker · 27/01/2025 20:11

With a household after tax, after housing cost income of £129 per week, you have a higher after housing cost income than around 3% of the population - equivalent to about 2 million individuals.

Skint.

Lollipop81 · 27/01/2025 20:01

19% but as it doesn’t factor in £600 ( a quarter of household income ) per month which I pay for wrap around school care so I can earn pittance I doubt it is accurate.

thecatneuterer · 27/01/2025 19:51
  1. I agree with others - I have trouble believing it.
Madisnttheword · 27/01/2025 19:49

8% here

callmebuffy · 27/01/2025 19:34

91% which I'm shocked by as I'm counting the days to pay day!

CeaseAndDessist · 27/01/2025 19:28

98% apparently…