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Free rental affordability calculator
Calculate how much rent you can afford based on your income using the 28% rule. See monthly budget breakdowns and affordability thresholds — free calculator.
Use the rental affordability calculator
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Calculate how much rent you can afford based on income and the 28% rule.
01 / Process
How to use this tool
01
Enter your annual gross income
02
Optionally add monthly debt payments
03
Click "Calculate Affordability"
04
See your maximum recommended rent and budget breakdown
02 / Questions
Frequently asked questions
What is the 28% rule?
The 28% rule recommends spending no more than 28% of your gross monthly income on housing costs, including rent and renter's insurance.
Does this include utilities?
The standard calculation covers rent only. You can optionally add estimated utility costs to see a more complete housing budget.
Is gross or net income used?
The 28% rule uses gross (pre-tax) income. The tool also shows what you can afford based on net (take-home) income for a more conservative estimate.
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