Money & Finance · Free tool

Apartment Affordability Calculator

Enter income and debts to see the rent you can actually afford using the 30 % rule plus debt-to-income sanity checks.

Updated April 2026

Gross monthly income ($)Existing monthly debts ($)Savings for move-in (optional, $)Rent you are considering ($)

Max rent (30% rule)$1,800

Max rent (stricter 25%)$1,500

Rent-to-income at $1,80030.0%

DTI (debts + rent / income)36.7%

Move-in savings cushion$5,000

Rent-to-income snapshot

20% of income$1,200/mo
25% of income$1,500/mo
30% of income$1,800/mo
35% of income$2,100/mo
40% of income$2,400/mo

DTI above 36% is considered high by most lenders and landlords. Consider a lower rent.

Estimates only. Rule-of-thumb: max rent 30% of gross income; stricter 25% leaves more margin. Landlords often require DTI under 36% and rent-to-income under 30%.

What it does

Enter income and debts to see the rent you can actually afford using the 30 % rule plus debt-to-income sanity checks.

Runs entirely in your browser — no upload, no account, no watermark. For more tools in this category see the full tools index.

How to use it

Fill in the inputs or drop your file.
Click the primary button to run.
Copy or download the result.