Active discussions

Please or to access all these features

Talk
AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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:
Samanabanana · 26/01/2025 12:30

WomanWhoSitsByTheWindow · 26/01/2025 12:27

I'm at 5%. I knew I'd be low on the scale, but not that low, as so many people seem to have so little. I earn and get child maintenance making an income of £24k, but £13k of that goes on rent, which has become horrendous in the last few years. Don't claim UC though, that would boost my income if I did apply for rent support.

You absolutely should claim if you're entitled to it!

Pamelaaaaarrr · 26/01/2025 12:29

Hardlyworking · 26/01/2025 12:28

What a crap calculator. Doesn't take any debt or assets into consideration.

It might as well be a buzzfeed 'HOW RICH ARE YOU???!!!' quiz

Well that's true, I came in at 48%, however, I completely outright my home, no mortgage, which is worth £600,000 and have no debt. So I imagine that would put me higher than some others.

Bjorkdidit · 26/01/2025 12:29

VonHally · 26/01/2025 12:14

I get what you're saying, but to me disposable income is after all expenses necessary for YOUR lifestyle and needs. That would include bills, cars, whatever. The leftovers after all those necessities for YOU is your disposable income. The fun money 😊

Show quote history

But a person could spend all their money on a huge mortgage,which is gaining them a valuable asset, Norland trained nanny, electric car lease payment and four figure monthly grocery bill for unlimited organic protein and blueberries as 'essential' and claim to be short of money, which is clearly ridiculous.

Samanabanana · 26/01/2025 12:29

78 with net income but that's deducting tax, pensions and student loan because I can't be arsed to work it out properly. Definitely doesn't feel like it with mortgage and childcare costs.

shuggles · 26/01/2025 12:28

I am in a financially more fortunate position than 68% of the population.

For all wealthy mumsnetters who are landing in the top 90% (or even top 95%) and saying they don't feel it- try getting rid of that ugly SUV.

Hardlyworking · 26/01/2025 12:28

What a crap calculator. Doesn't take any debt or assets into consideration.

It might as well be a buzzfeed 'HOW RICH ARE YOU???!!!' quiz

SzeliSecond · 26/01/2025 12:28

50% without housing
48% with

I feel we are pretty comfortable, I did used to struggle though so that probably impacts my feelings. Family of 4, one in nursery, 1 car, at least 1 foreign holiday a year and 3 or 4 UK short breaks.

Minimal savings though

MiniCooperLover · 26/01/2025 12:28

98% because of the mortgage being paid.

WomanWhoSitsByTheWindow · 26/01/2025 12:27

I'm at 5%. I knew I'd be low on the scale, but not that low, as so many people seem to have so little. I earn and get child maintenance making an income of £24k, but £13k of that goes on rent, which has become horrendous in the last few years. Don't claim UC though, that would boost my income if I did apply for rent support.

boysmuminherts · 26/01/2025 12:26

53%

littleluncheon · 26/01/2025 12:26

BrennieGirl · 26/01/2025 12:21

98% for my household.

I think it should take certain outgoings into consideration though. We are supporting two children in university which is very expensive.

Why would paying for expensive things make you less well off?

KateTrain · 26/01/2025 12:26

We're in the 40s percentage if I add that we have children, but high 80s if it was just us on our own! So a bit silly really as you can't predict how much the kids are costing us

AmazingBees · 26/01/2025 12:26

I'm at 49%. A bit surprised as I feel very comfortable so thought it would be higher! Single parent of one, working part time (school hours).

littleluncheon · 26/01/2025 12:25

Chicheguevara · 26/01/2025 12:20

26% but I am doing ok on that.

Same but I feel we're pretty comfortable.

fghbvh · 26/01/2025 12:25

11% ☹️

StrangeSenseOfCalm · 26/01/2025 12:25

5%. Ouch.

WellsAndThistles · 26/01/2025 12:24

73% for me, don't live in a high (MN standard) salary area but no rent or mortgage to pay.

allthemiddlechildrenoftheworld · 26/01/2025 12:24

@chonka901 do not go by this!! according to this i am -115 and am in the poorest 1% of the population!!! this is rubbish!!

ThatOchreRobin · 26/01/2025 12:23

This reply has been deleted

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

ClassicalQueen · 26/01/2025 12:22

94%, DH is finance specialist and I am a teacher.

comingupintheworld · 26/01/2025 12:22

Yes but others can't support children through university and the kids have to work ... so that's a choice

BrennieGirl · 26/01/2025 12:21

98% for my household.

I think it should take certain outgoings into consideration though. We are supporting two children in university which is very expensive.

mitogoshigg · 26/01/2025 12:20

We're up in the top 8% but at the end of working lives so in reality half is stuffed into pensions and at peak earning power. There is however a huge disparity between where we are (senior in roles but working) to the super rich. At £130k you are very comfortable day to day but no business class flights nor super luxury hotels, (just booking my holiday) and we both have older cars etc

Brooomhilda · 26/01/2025 12:20

81%. We're comfortable but not too comfortable. But we've lived off an awful lot less.

Chicheguevara · 26/01/2025 12:20

26% but I am doing ok on that.