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Rent Affordability Calculator

Estimate the monthly rent you can afford while keeping savings and other bills intact.

Common questions

About this calculator

Is 30% of income always the right rent target?

No. It is a common guideline. High-cost cities, debt, family size, and savings goals can make a lower or higher target more realistic.

Should utilities be included in rent?

Include utilities when comparing homes. A cheaper rent with high utilities may be less affordable than it looks.

The income rule multiplies take-home income by your target rent percentage.

The cash-flow rule subtracts debts, savings, and utilities from take-home income.

The calculator uses the lower number to avoid a rent estimate that breaks the rest of the plan.

Educational planning estimate. It does not replace an official calculation or individualized financial, tax, or legal advice.

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