Kesoria

Rent Affordability Calculator

See how much rent you can comfortably afford in any currency - using the same rules landlords and lenders apply. No tax guesswork.

Read the guide: Budgeting & Cash Flow

Before tax, in any currency. Landlords screen on gross income.

Loan, card, and other minimums. Used by the 28/36 lender rule.

A listing you are considering - see the ratio below.

Guidelines, not guarantees: utilities, insurance, and local rules vary. The 30% figure is the HUD/landlord standard; the 28/36 figure is the lender rule that also weighs your existing debts.

Recommended Max Rent
US$1,400 / mo

The more cautious of the two rules below - it leaves room for savings, bills, and the unexpected.

How the Two Rules Compare

30% Rule (income only)US$1,500

30% of gross income - the same as the landlord "3x rent" screen.

28/36 Rule (with debts)US$1,400

Rent under 28% of income AND rent-plus-debts under 36% - the lender standard.

Your Rent Check

Rent-to-Income
30%
US$1,500 of US$5,000/mo
Verdict
Comfortable
Within the widely used 30% guideline - room for savings and essentials.

Save this result - track your whole net worth

A free account saves your figures and turns one-off calculations into a running, multi-currency net worth you can watch grow. No card, no catch.

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