Rent Calculator
Estimate an affordable rent using the 30% income guideline and a stricter 25% rule.
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Result
Formula
Guideline rent = income × 30% (many advisors suggest 25–35%).
About this calculator
Estimate an affordable monthly rent based on your take-home income, using common income-based guidelines (25%, 30%, and 40%). The calculator applies three standard affordability rules to your monthly take-home income.
How to use
- 1
Enter your monthly take-home income in the 'Monthly take-home income' field.
- 2
The calculator instantly shows your affordable rent under the 30% rule, the conservative 25% rule, and the maximum 40% rule.
- 3
Use these figures as a benchmark to compare against your actual rent or to set a budget for your next apartment.
Frequently asked questions
Should I use gross income or take-home income?
This calculator uses take-home income (net income) because that is the money you actually have available for expenses. Many traditional guidelines use gross income, but using take-home income is more conservative and realistic for budgeting.
What if I have other debts?
If you have significant debt payments, you should aim for the 25% rule or lower to ensure you can meet all your obligations. The 30% rule assumes you have manageable debt levels.
Does the rent amount include utilities?
No, the calculator only considers the base rent. You should add estimated costs for utilities, internet, renter's insurance, and other housing-related expenses to get a complete picture.
Please note: Results are estimates for general information only and are not professional or medical/financial advice.