Rent affordability calculator
See the most rent you can comfortably afford — checked two ways: the 30× income rule letting agents use, and the 30%-of-take-home budgeting guide.
Max affordable rent
£660/mo
The limit here is 30% of your take-home pay. Both checks are shown so you can see which one bites first.
- Income-multiple limit (30× monthly rent)
- £1,167/mo
- 30% of take-home pay
- £660/mo
Assumptions & how it's worked out
- The income-multiple check is the referencing rule most letting agents apply: your gross annual income should be at least 30× the monthly rent (the same as 2.5× the annual rent).
- The budgeting check keeps rent at or below 30% of your monthly take-home pay, less any fixed monthly commitments.
- We use your take-home pay directly rather than estimating tax — enter the figure that actually reaches your account.
- This is a guide to help you plan, not a referencing decision. Agents and guarantors may apply their own rules.
Questions, answered
- How much of my income should I spend on rent?
- A common guide is no more than 30% of your take-home pay. Letting agents usually check it a different way — that your gross annual income is at least 30 times the monthly rent (2.5× the annual rent). This tool shows both, and flags whichever one limits you first.
- What if I'm renting with someone else?
- Add everyone's income together. Most agents assess a joint tenancy on the combined household income, so enter the total gross income and total take-home pay for everyone named on the tenancy.
- Do agents really require 30× the monthly rent?
- It's the most common benchmark, but it varies. Some accept a guarantor, a larger deposit paid in advance, or rent paid upfront if your income is below the usual multiple. Use this as a starting point and ask the agent about their criteria.
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