Rent Affordability Calculator
Find the maximum monthly rent you can afford using the 30% rule applied to your gross annual income.
- Conservative (25%)
- $1250/mo
- Annual rent at this level
- $18000
Formula: Max rent = annual income ÷ 12 × percent ÷ 100
About Rent Affordability Calculator
Rent Affordability Calculator is a free online calculator that gives you an instant, accurate result as you type. Find the maximum monthly rent you can afford using the 30% rule applied to your gross annual income.
The calculation uses the standard formula Max rent = annual income ÷ 12 × percent ÷ 100 and updates live with every change to the inputs. Everything runs client-side in your browser — fast, private, and free to use as often as you like.
The 30% guideline dates back to US housing regulations from 1981; spending above it classifies a household as "cost-burdened".
Frequently Asked Questions
Is Rent Affordability Calculator free to use?
Yes. Rent Affordability Calculator is completely free, with no sign-up, no downloads, and no usage limits. You can use it as many times as you like on any device with a web browser.
How accurate is this calculator?
The calculator applies the standard formula (Max rent = annual income ÷ 12 × percent ÷ 100) with full floating-point precision and rounds only the displayed result. For most practical purposes the results are exact.
Is the 30% rent rule realistic in expensive cities?
In high-cost metros many renters exceed 30%; an alternative check is the 50/30/20 budget, keeping all essentials — including rent — within 50% of take-home pay.
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