Work out rent to income ratio instantly with clear inputs, formula shown and shareable results.
The thirty percent rule of thumb holds that rent should not exceed thirty percent of gross income. Landlords and letting agents usually test the wider figure too, adding loan and card payments, because a tenant at twenty-five percent rent but fifty percent total obligations is the higher risk.
Rent to income
Ratio = monthly rent / gross monthly income x 100
Affordable rent
Guideline rent = gross income x 0.30
Ratio = monthly rent / gross monthly income x 100. The thirty percent rule of thumb holds that rent should not exceed thirty percent of gross income.
In high cost cities it often is not, and forty to fifty percent is common. The threshold matters less than whether the residual income after rent covers the household's actual costs.
This calculator takes 3 inputs: Monthly rent, Gross monthly income, Other monthly debt payments. The pre-filled defaults are a realistic worked example — replace them with your own site or project figures.