Rent Affordability Calculator
Calculate how much rent you can afford based on income, debts, and the 50/30/20 budget rule. See a full monthly budget breakdown.
Income & Taxes
Your Rent Budget
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Monthly Take-Home
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Max Rent (30% Rule)
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Max Rent (50/30/20 Rule)
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Max Rent (DTI ≤ 36%)
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Recommended Rent
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Gross Monthly Income
50/30/20 Budget Breakdown
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Needs (50%)
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Wants (30%)
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Savings (20%)
Needs (50%) Wants (30%) Savings (20%)
Tax Breakdown
Federal Tax:
State Tax:
FICA Tax:
Frequently Asked Questions
How much of my income should go to rent?▾
The general guideline is no more than 30% of your gross income or 50% of your take-home pay on housing. This tool uses the 50/30/20 budget rule to calculate your ideal rent range.
What is the 50/30/20 budget rule?▾
The 50/30/20 rule suggests spending 50% of after-tax income on needs (rent, utilities, groceries), 30% on wants (entertainment, dining out), and 20% on savings and debt repayment.
Does this calculator account for existing debt?▾
Yes. Enter your monthly debt payments and the calculator adjusts your affordable rent amount. Most landlords use a debt-to-income ratio of 36% to qualify tenants.
Is my financial data safe?▾
Yes. All calculations happen entirely in your browser. No income or financial data is ever sent to a server.