Rent Affordability Calculator
Free rent affordability calculator using monthly or annual gross income and a customizable housing budget percentage.
Estimate a starting rent budget from gross income and a target housing percentage. The often-cited 30% guideline is only a planning reference—not a rule that fits every household or rental market.
Utilities, renter's insurance, parking, pet fees, transportation, debt, savings goals, and local screening standards can reduce the amount that feels comfortable.
Frequently asked questions
Is the 30% rent rule required?
No. It is a broad budgeting guideline. Your comfortable amount depends on taxes, debt, utilities, transportation, savings, and local costs.
Do landlords use gross or net income?
Many screen using gross income, but policies vary. Ask the property manager how income is calculated and documented.
Does the result include utilities?
No. Add electricity, gas, water, internet, insurance, parking, and other recurring housing charges separately.