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Rent Affordability Calculator

See how much rent you can afford using the 30% rule and a debt-adjusted 28/36 rule, and test a target rent.

Related tools

All Renting & yield tools →
Prorated Rent CalculatorWork out the partial rent owed for a mid-month move-in or move-out, by actual days, a 30-day month or 365-day basis.Roommate Rent SplitterSplit rent fairly by room size, with an optional income-weighting blend.Gross rent multiplier calculatorCompute the gross rent multiplier (GRM) of a property from price and annual rent.Maximum rent calculatorSet your own effort rate, take out charges and running loans, and read the rent against two published reference lines.Rent increase calculatorWork out your new rent and the increase amount after a percentage rise.Rent Split CalculatorSplit the total rent equally between housemates.Rent-to-income ratio calculatorCompute the share of your income that goes to rent (the 30% rule of thumb).Rent vs Buy CalculatorCompare the monthly cost of renting versus buying a home.

Rent Affordability Calculator works straight from this page — free, instant, nothing to install. Its place is under Renting & yield; Prorated Rent Calculator and Roommate Rent Splitter answer the questions closest to this one.

How to use it

  1. Open the tool — no signup or install needed.
  2. Enter your input or adjust the available options.
  3. Get your result instantly, then copy or download it.

Frequently asked questions

What does Rent Affordability Calculator do?

See how much rent you can afford using the 30% rule and a debt-adjusted 28/36 rule, and test a target rent.

When would I actually use this?

Setting or checking a rent, working out the yield a property really returns, and splitting a part-month at the start or end of a tenancy.

What is the most common mistake?

Quoting a gross yield. Once charges, tax, insurance, management and vacancy are taken out, the net figure is routinely a third to a half lower.

How is Rent Affordability Calculator different from Prorated Rent Calculator?

They sit next to each other but answer different questions: Prorated Rent Calculator is the one to open when you need it to work out the partial rent owed for a mid-month move-in or move-out, by actual days, a 30-day month or 365-day basis. Pick whichever matches what you're starting from — both are free.

Is there a tool for the next step?

Roommate Rent Splitter is the closest one after this: Split rent fairly by room size, with an optional income-weighting blend.

What else is worth having open alongside it?

Gross rent multiplier calculator and Maximum rent calculator — they come up in the same task often enough to be worth a second tab.

Where do the figures come from?

The arithmetic is exact for the figures you enter; rent caps, indexation rules and deposit limits are set locally and differ even between cities in the same country.

Further reading

All guides →
ExplainerRent Affordability: The 30 Percent Rule and Where It BreaksThirty percent of gross income leaves $6,800 a month at one income and minus $200 at another. The rule is a fixed percentage applied to a budget whose other needs are not proportional to income — which is exactly why housing policy uses residual income instead.How-toHow to Calculate Prorated Rent — and Why Three Methods Give Three AnswersMove in on 18 October at $1,500 a month and you owe $677.42, $700.00 or $690.41 depending on which convention the lease uses. Agree on one before you sign, not after.ExplainerWhat a Rent Increase Is Allowed to BeFive of six markets index the permitted increase to a published statistic, and each names a different one. The arithmetic is universal: on a $1,500 rent, ten years at a 1 percent index leaves you 25.38 percent below a market that grew 4 percent.GuideSplitting Rent Between Rooms That Are Not the SameEqual thirds of $2,400 charge the same for 180 square feet and for 100. Floor area is better and still leaves someone envious. The sealed-bid envy-free split gives $850, $700 and $850 — and nobody wants to swap.ExplainerThe Most Rent You Should Agree ToThree different numbers decide a letting: the rent the agent screens, the total occupancy cost your budget has to survive, and the cash due at signing. On a $1,800 listing they are $1,800, $2,095 and $3,600.ExplainerWhat a Housing Voucher Actually PaysThe tenant's share is a percentage of adjusted income; the subsidy is the gap up to a payment standard. On $29,040 of adjusted income the tenant pays $726 and the agency pays $774 — and a 40 percent gate decides whether the lease is allowed at all.