Housing / monthly budget
Rent affordability calculator
Use your monthly income and fixed debt payments to sketch a rent range that leaves room for utilities, food, savings, and surprises.
Results are estimates for planning. Review the assumptions and verify important decisions with the right official or qualified source.
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estimated result
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Planning rent target
$0
Based on a 0% income rule and your buffer
30% rule reference
$0
A common starting point before considering other costs
Income after debt + buffer
$0
Before rent, utilities, food, and transport
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How to use this estimate
- Add utilities, parking, renters insurance, and commuting costs to the real monthly housing budget.
- A landlord’s income rule is not the same as what feels comfortable for your life.
- Use your take-home income rather than gross salary for a personal budget.
Common questions
How much rent can I afford on my salary?+
A common starting point is up to 30% of gross income, but a personal plan should also consider debt, savings, transportation, utilities, and variable costs.
Should I use gross or net income?+
Use take-home income for a comfort-focused budget. Use gross income only when comparing a landlord’s screening rule.
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