Calculator tool
The 30% rule suggests spending no more than 30% of your gross monthly income on rent. Some financial advisors use 25–30% depending on other expenses. This calculator lets you adjust the guideline percentage and factors in utilities to show your total housing budget and what you have left for other expenses.
Review the inputs carefully and treat the output as an estimate. For decisions involving money, taxes, health, law, or security, compare the result with trusted professional guidance when needed.
Is the 30% rule still valid?
The 30% rule is a useful starting point, but high-cost cities may make it impossible. If housing costs more, you may need to cut other expenses or increase income. Some use the 50/30/20 budget rule instead.
Does the 30% include utilities?
The traditional 30% rule refers to rent only. This calculator adds utilities separately so you can see your total housing cost versus income.
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