Rent Affordability Calculator
Enter your gross monthly income and any monthly debt payments. The calculator applies a housing budget rule to show the highest rent that stays comfortable, and the income a landlord typically asks for.
Rent Affordability
Maximum rent you can afford on your income
How it works
- The classic guideline: spend no more than 30% of gross income on rent.
- Debt payments (car loan, student loan) are subtracted from that budget.
- Many landlords require a gross yearly income of about 40× the monthly rent.
- In the Netherlands landlords often ask for 3–4× the monthly rent in gross monthly income.
Worked example: income 3,200 per month, no debts
- 130% of 3,200 = 960.
- 2Debts: 0, so the budget stays 960.
- 3Landlord check: 960 × 40 = 38,400 per year (3,200 × 12 = 38,400).
Maximum rent ≈ 960 per month
Maximum rent by monthly income (30% rule)
| Gross monthly income | Max rent (25%) | Max rent (30%) | Max rent (35%) |
|---|---|---|---|
| 2,000 | 500 | 600 | 700 |
| 3,000 | 750 | 900 | 1,050 |
| 4,000 | 1,000 | 1,200 | 1,400 |
| 5,000 | 1,250 | 1,500 | 1,750 |
| 6,000 | 1,500 | 1,800 | 2,100 |
Frequently asked questions
How much rent can I afford?
A common guideline is about 30% of your gross monthly income, minus any monthly debt payments.
What is the 40× rent rule?
Landlords often want your gross yearly income to be at least 40 times the monthly rent — the same as rent being 30% of income.
Should I use gross or net income?
The rules here use gross income. If you budget on net pay, choose the careful 25% option.
Does rent include utilities?
Not in these rules. If utilities are extra, leave room for them in your budget.
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