Should One of Us Quit?

Compare three scenarios — both working, Person A quitting, or Person B quitting — to see which leaves your household with the most money after childcare, commuting, and work expenses.

Both working is best

£3,987/mo

£
£
£/yr
£/yr
£/yr
£/yr
£/yr

Work expenses

Include lunches bought at work, professional clothing, parking, and any other costs you wouldn't have if you stayed at home.

Both working is best

£3,987/mo

household disposable income

Both work

Best option

£3,987/mo

Net income£68,239/yr
Childcare-£13,000
Commuting-£5,000
Work expenses-£2,400
Disposable (annual)£47,839

Person A quits

£2,127/mo

Net income£28,720/yr
Commuting-£2,000
Work expenses-£1,200
Disposable (annual)£25,520

Person B quits

£2,943/mo

Net income£39,520/yr
Commuting-£3,000
Work expenses-£1,200
Disposable (annual)£35,320

Monthly disposable income

Both work£3,987/mo
Person A quits£2,127/mo
Person B quits£2,943/mo

What does each job really add?

Person A's £50,000 job£1,860/mo

After tax, childcare, commute, and expenses

Person B's £35,000 job£1,043/mo

After tax, childcare, commute, and expenses

Break-even childcare cost

£25,520/yr per child

If childcare costs more than this, the lower earner quitting could be better financially. Your current childcare (£13,000/yr/yr) is below this threshold.

Important considerations

  • This is a financial snapshot only — career progression, pension contributions, and future earning potential are not modelled
  • Tax-Free Childcare (up to £2,000/child/yr) and 30 free hours require both parents to be working — quitting means losing these
  • Taking a career break can significantly impact lifetime earnings, pension contributions, and NI qualifying years
  • Non-financial factors (wellbeing, child development, career satisfaction) matter too