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How much rent can I afford?

Rent calculator. Find a rent that fits.

Enter your income and your monthly costs. See the highest rent the calculator suggests and how much is left over.

Open the calculator

Results are estimates for planning. They are not financial, tax, or legal advice.

Four steps to a rent number.

Fill in your income and costs. The results update as you type.

1

Enter your income

Add your monthly gross income and the share you take home after taxes and deductions.

2

Pick a rent rule

Choose a 28%, 30%, 35%, or 40% rule, or enter your own percent. The rule is applied to your gross income.

3

Add your monthly costs

Enter transportation, food, debt payments, insurance, savings goals, and other costs. Then add utilities, internet or cable, parking, and pet fees.

4

Read the results

See the maximum affordable rent, your net income, what is left after rent, a budget breakdown, and rent at four set percentages.

How the estimate is worked out.

The calculator finds two numbers. The first is your gross monthly income times the rent rule you picked. The second is your net income, which is gross income times your take-home percent, minus all of the monthly costs you entered. The suggested rent is the lower of the two, and it never goes below $0.

That means a tight budget can lower the result even if the rule would allow more. Leftover after rent is net income minus the suggested rent minus your costs. The budget breakdown shows rent, other costs, and leftover as a share of net income.

The rent by rule list shows rent at 28%, 30%, 35%, and 40% of gross income, no matter which rule you chose. The calculator does not look up local rents or add costs you did not enter.

Common questions

How is the maximum rent chosen?
The calculator compares the rent rule applied to gross income with what your net income can cover after your costs. It shows the lower of the two.
What is the take-home percent?
It is the share of your gross income you keep after taxes and deductions. The calculator multiplies your gross income by this percent to get net income.
Which rent rule should I pick?
A lower percent leaves more room for savings and surprises. A higher percent leaves less. The calculator lists each option so you can compare the results.
Which costs are counted?
Transportation, food, debt payments, insurance, savings goals, other expenses, utilities, internet or cable, parking, and pet fees. Rent is figured separately.
Why is my suggested rent lower than the rule amount?
Your costs use up a large share of your net income, so the budget limit is lower than the rule limit. The calculator shows whichever limit is lower.
What do the example buttons do?
Each one fills in sample income and cost numbers for a type of earner. You can change any value after you pick one.

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