Money & Salary
Popular
Rent Affordability Calculator
Determine your optimal and maximum recommended monthly rent based on the 30% rule, 50/30/20 budget framework, and existing monthly debt obligations.
How much rent can I afford based on my income?How much should I spend on housing with student loans or car payments?What is the 30% gross income rule vs conservative 25% guideline?
Instant in-browser · no uploads
Monthly Budget
$
$
Recommended Rent Budget
$1,500.00/ month
Absolute maximum ceiling: $1,660.00/mo.
Rent: $1,500.00Debt: $300.00Remaining: $3,200.00
Annual Rent Total
$18,000.00
Estimated Utilities Buffer
$180.00
How this calculation works
Financial standard recommending that housing costs do not exceed 30% of gross pre-tax income, leaving 70% for debt, savings, utilities, food, and discretionary life expenses.
Formula
Recommended Rent = Monthly Gross Income × 30% - (Debt Adjustments)
Frequently asked questions
Many landlords require your annual gross income to be at least 40 times the monthly rent (e.g., $80,000/yr income for a $2,000/mo apartment), which equates to exactly 30% of your gross income.
Private by design
Calculations run entirely in your browser. Your financial data is never sent to a server.
Zero server logs
Related calculators