Avoid being 'house poor' by calculating your ideal rent. Our tool uses the 30% rule-of-thumb and adjusts for your existing monthly debts to provide a realistic monthly rent target that leaves room for other living expenses and savings.
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How Much Rent Can You Really Afford?
Determine how much rent you can comfortably afford based on your income and debts. Free budgeting tools by FusioFiles. Fast, free, and private.
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About How Much Rent Can You Really Afford?
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1
Annual Income
Enter your total gross (before-tax) annual income.
2
Monthly Debts
Total up all your monthly debt obligations like car payments or student loans.
3
Spending Tier
Select a rule (25% to 40%) based on how much of your income you want to allocate to rent.
Key Features
The 30% Rule
Uses the standard financial recommendation for housing costs.
Debt-Adjusted Result
Factors in your car loans, student loans, and credit card debt for a more accurate picture.
Conservative to Aggressive
Choose different spending tiers based on your personal comfort level.
Frequently Asked Questions
It suggests that you should spend no more than 30% of your gross monthly income on housing costs.
While the 30% rule typically uses gross income, many people prefer using net (take-home) income for a more conservative budget.
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