Rent affordability calculator

Leftover-money cap = take-home − savings − debt minimums − other essentials − utilities. The 30% rule is a landlord screen, not a budget. Primer: how much rent. Own vs lease: rent vs buy.

Monthly take-home Savings rate % Debt minimums Other essentials (food, insurance, transit) Utilities (if not in rent)

Rent cap

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Take-home is after tax and benefits, not gross. A 28/36 DTI screen on a mortgage is a different test — DTI calculator. Stay-horizon own vs rent is All Access: 12-step playbook. Landlord 30% is of gross at many doors; this page uses take-home so you do not double-count FICA.