Rent affordability calculator

Find a rent range that fits your monthly budget.

Compare the 30 percent rule, the 40x rent rule, take-home pay, utilities, debt, savings, roommates, and move-in cash in one place.

30% Common gross-income rent guideline.
40x Annual income check used by many landlords.
Cash First month, deposit, fees, and moving buffer.

Monthly rent estimate

Suggested rent ceiling $1,410

Enter a rent target to compare it with your income and monthly costs.

30 percent rule$1,860
40x rule$1,860
Take-home budget$1,860
Per roommate$1,700
Move-in cash$3,850
Left after rent$1,960
Affordability curve $1,410 ceiling at $6,200 income
Rent affordability curve The chart updates when the calculator values change.
$3,500 income Monthly gross income vs. monthly rent $9,000 income

The recommended curve follows the lower of the income rule and the take-home budget check.

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Debt
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Utilities and insurance
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Savings
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Planning estimate only. This is not financial, legal, lending, or housing advice.

Related rent tools

Check the exact rent question in front of you.

Use the calculator above first, then open the focused page that matches the rule, split, or cash question you need to answer.

How Much Rent Can I Afford?

Compare rent rules with take-home pay, utilities, and savings goals.

30 Percent Rent Rule

Calculate 30 percent of gross monthly income and see when the rule breaks down.

40x Rent Rule Calculator

Estimate annual income needed for a target monthly rent.

Rent Split Calculator

Split rent and utilities between roommates or partners.

Move-In Cost Calculator

Add first month, deposit, fees, and moving cash before applying.

Rent vs Income Table

Scan monthly income ranges and common rent ceilings.

Rent to Income Ratio Calculator

Turn rent and income into a percentage you can compare.

Apartment Budget Calculator

Plan rent, utilities, move-in cash, and monthly living costs.

Monthly Rent Calculator

Estimate rent from income using common landlord rules.

Budget math

Use more than one rule before choosing an apartment.

30 percent rule: monthly rent <= gross monthly income x 0.30
40x rule: annual income >= monthly rent x 40
Take-home check: rent <= pay after debts, utilities, savings, and living costs

Quick examples

What different incomes can support.

$4,000 gross income30 percent rent target: about $1,200 per month.
$6,000 gross income30 percent rent target: about $1,800 per month.
$2,200 rent40x rule income target: about $88,000 per year.