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.
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.
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.