Rent Affordability Calculator

Estimate a monthly rent range using gross income, debts, savings goals, and a rent cap.

Results will appear here.

Planning estimate only, not financial, tax, or legal advice. Verify assumptions and current rules before making decisions.

This tool runs completely in your browser. No data is transmitted, stored, or logged.

Transparent methodology

How this calculator works

Reviewed July 2026

Formula

The suggested rent is the lower of the income-based cap and gross monthly income minus entered debt payments and the savings goal.

Worked example

At $75,000 annual gross income and a 30% cap, the income-rule ceiling is $1,875 per month before considering debts, savings, utilities, and other housing costs.

Frequently asked questions

Is the 30% rule mandatory?

No. It is a common planning guideline, not a universal affordability standard.

Should utilities count toward the cap?

For a conservative budget, consider total housing cost rather than rent alone.

Why include a savings goal?

A rent amount that leaves no room for reserves may be financially fragile even if a landlord approves it.

Privacy: Inputs and results stay in this browser. Any future sponsored recommendation or advertisement will be clearly labeled and kept separate from the calculation.