Rent Affordability Calculator — How Much Rent Can I Afford?
Find your maximum safe rent based on income using the 30% Rule, 40x Rule (NYC), or conservative 25% rule. Free, instant, and accurate.
✓ Formula verified: January 2026For informational purposes only
Rent Affordability
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Maximum Monthly Rent (30% Rule)
$1,875.00
Monthly Gross Income
$6,250.00
Rent as % of Gross Income
30.0%
Remaining After Rent + Debts
▲ $4,025.00/mo
Annual Rent Cost
$22,500
Meets 40x Landlord Requirement?
▲ Yes — income qualifies
What if your gross income changes? $67500 → $1,687.50 · $75000 → $1,875.00 · $82500 → $2,062.50
Scenario Comparison
Conservative (5%)
$16,470.09
$6,470.09 interest
Your scenario (7%)
$20,096.61
$10,096.61 interest
Aggressive (10%)
$27,070.41
$17,070.41 interest
High-risk (14%)
$40,224.71
$30,224.71 interest
Best return
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Monthly Budget Breakdown
Income Allocation
Rent
$1,875(30%)
Debts
$350(6%)
Remaining
$4,025(64%)
Max Rent by Rule
Conservative (25%)
$1,563/mo$4,338 left
Standard 30% Rule
$1,875/mo$4,025 left
40x Rule (~30%)
$1,875/mo$4,025 left
Aggressive (35%)
$2,188/mo$3,713 left
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