How much rent can I afford?
A common guideline keeps rent near 30% of your income, but the honest answer depends on your other costs. This finds a rent that still leaves room for savings and everyday life.
Quick answer: As a rule of thumb, keep rent at or under 30% of your take-home pay, about $900 a month on $3,000 take-home, or $1,500 on $5,000. Above 40% most budgets start losing the ability to save at all.
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The 30% rule is a starting point, not a law
The 30%-of-income guideline is a useful anchor, but it ignores everything else in your budget. If you carry debt or live somewhere with high transport or utility costs, a lower share may be wiser.
This calculator looks at your actual take-home pay and expenses so the rent it suggests is one you can genuinely sustain.
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Frequently asked questions
How much of my income should go to rent?
Around 30% of take-home pay is a common target, but the right number depends on your other expenses and savings goals.
Should I use gross or take-home income?
Take-home (after-tax) income gives a more realistic picture of what you can actually pay each month.
Is this financial advice?
No. These are educational estimates based only on the numbers you enter, and not financial, legal, or professional advice.
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Financial disclaimer
This calculator provides general educational estimates only. It is not investment, tax, legal, or professional financial advice, and it does not account for every part of your situation. For decisions that matter, consider speaking with a qualified professional. Read our full financial disclaimer.