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Rent-to-income ratio calculator

Compute the share of your income that goes to rent (the 30% rule of thumb).

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Enter Monthly rent, Monthly gross income and the Rent-to-income ratio calculator works out Rent-to-income ratio straight away. For instance, with Monthly rent = $1,200.00 and Monthly gross income = $4,000.00 it returns Rent-to-income ratio = 30%.

How to use it

  1. Enter your values: Monthly rent, Monthly gross income.
  2. Read the result instantly: Rent-to-income ratio.

Frequently asked questions

How does the Rent-to-income ratio calculator work?

It takes Monthly rent and Monthly gross income and derives Rent-to-income ratio from them. The calculation is live as you type, so the result updates on every change.

Which values does the calculator ask for?

2 values: Monthly rent ($) and Monthly gross income ($). Nothing else is required — no account, no file upload.

What does a typical calculation look like?

With Monthly rent = $1,200.00 and Monthly gross income = $4,000.00, the calculator returns Rent-to-income ratio = 30%. Those figures come from running this exact tool, so you can reproduce them by entering the same values.

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.

What is the difference between the Rent-to-income ratio calculator and the Maximum rent calculator?

This one returns Rent-to-income ratio; the Maximum rent calculator returns Maximum rent, charges excluded and Housing budget at that rate. That is the whole difference — open the one whose figure you need.

Is there a tool for the next step?

Rent increase calculator is the closest one after this: Work out your new rent and the increase amount after a percentage rise.

What else is worth having open alongside it?

Rent vs Buy Calculator and Section 8 rent calculator — they come up in the same task often enough to be worth a second tab.

Where do the figures come from, and how current are they?

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 →
How-toHow Much Rent Can I Afford? The 30% Rule and 40x RentSet a realistic rent budget with the 30% rule and the 40x-rent test, and learn why using net income instead of gross keeps you on safer ground.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.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 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.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.