The method
How it is worked out
Share = rent ÷ take-home; comfortable max = take-home − bills − debts − transport − saving − living costs
- 30% rule
- A guideline from US housing policy; high-cost cities routinely exceed it
Rent Affordability Calculator
Work out how much rent you can afford by the 30% rule and by what is actually left after your other costs. The result updates as you type so you can compare scenarios quickly.
Keep in mind
What it leaves out
- Deposit and feesMoving costs a month or two of rent up front.
- Rent risesRenewals usually go up; leave room.
Use the calculator to compare scenarios rather than as a guaranteed forecast.
About the Rent Affordability Calculator
Work out how much rent you can afford by the 30% rule and by what is actually left after bills, debts and saving.
How it works and an example to tryShow less
How to use the result
Rent share is rent over take-home. Left to live on subtracts rent, bills, debts, transport and planned saving. The comfortable maximum keeps a living-cost floor.
Example to try
£1,300 rent on £3,200 take-home is 41%. After £850 of other costs and saving, £1,050 is left; the comfortable maximum rent is about £950.
Put it to work
Try it on a real situation
Load an example
What moves the result most
Worked out from your figures above. Tap a row to try it.
Who uses it, and when
Renters comparing flats, people moving cities and parents advising.
Mistakes worth avoiding
- Applying the 30% rule without checking what is left.
- Forgetting deposit, fees and moving costs.
- Ignoring likely rent rises at renewal.
Questions
What does the Rent Affordability Calculator do?
Work out how much rent you can afford by the 30% rule and by what is actually left after your other costs.
How should I use the result?
Rent share is rent over take-home. Left to live on subtracts rent, bills, debts, transport and planned saving. The comfortable maximum keeps a living-cost floor.
Does TechBullion store the information I enter?
The core calculation or transformation runs in your browser. Normal website security and analytics may still record page-level events, but the tool does not need to create a public record from your inputs.
What mistakes do people make with a rent affordability calculator?
Applying the 30% rule without checking what is left. Forgetting deposit, fees and moving costs. Ignoring likely rent rises at renewal.
Is the result guaranteed?
No. Use the result as a practical check or planning aid and verify important decisions with the relevant primary source, provider or professional advice.
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Results are estimates based on the figures entered, for general information only, and not financial, investment, tax or legal advice. See our terms of use.