See how much rent you can afford from your income — using the 30% guideline and the 3×-rent rule most landlords apply.
Guidelines, not rules. Many landlords require income of about 3× the rent; high-cost cities often run above 30%. Doesn't include utilities. General information, not advice.
The classic guideline caps rent at 30% of gross income. Landlords often flip it around and require income of at least 3× the rent. Your other debts matter too — a 36% total-debt ceiling keeps rent plus everything else affordable.
Recommended rent = income × 30% · Landlords: income ≥ 3 × rent
Often not — many people spend 40%+ in high-cost areas. The rule is a target for financial breathing room, not a hard limit, so weigh it against your other costs.
No. Budget utilities, internet, and renter's insurance on top of the rent figure.
Related: home affordability calculator · rent vs buy calculator · debt-to-income calculator · all free calculators.
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It uses standard formulas and recalculates the moment you change a value, so the math is exact for the inputs you enter. Treat the result as a reliable planning estimate; for decisions with legal or tax consequences, confirm the figures with a qualified professional.
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Last reviewed: September 2026. Free to use, no signup — Rent Affordability Calculator by ToolWise Digital.
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