Tenant Rent Affordability Calculator
Find out what rent fits your budget using the classic 30% rule adjusted for your existing debts, so you can search for apartments with confidence.
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About this calculator
Determine how much rent you can comfortably afford based on income, debts, and the 30% rule, with a debt-to-income breakdown.
Frequently Asked Questions
What is the 30% rule for rent?
The 30% rule suggests spending no more than 30% of your gross monthly income on rent, though this can flex based on your other debts and cost of living.
How do other debts affect rent affordability?
Lenders and landlords often look at total debt-to-income ratio, so higher existing debts like car loans or student loans may mean you should budget less for rent.
Is 30% always the right target?
Not necessarily — in high cost-of-living areas people often spend more, while financially conservative renters may aim for 20-25% to save more aggressively.