What this calculator does

Rent affordability is easier to judge when rent and housing bills are compared with take-home income. This calculator shows the current share and the rent level that would fit a chosen target.

Formula used

Housing share equals rent plus housing bills divided by monthly take-home income. Target rent equals income multiplied by target share, minus housing bills.

How to read the result

A rent figure can be affordable on paper but still uncomfortable if transport, childcare, debt payments or savings goals are high. Use the result as a starting budget check.

Assumptions

  • Uses monthly take-home income.
  • Housing bills can include utilities, council tax, service charges or insurance.
  • Does not include moving costs, deposits or furniture.

Sources and checks

This calculator uses a standard public formula. Where rules or thresholds can change, source links are listed on the relevant page.

Frequently asked questions

Is 30 percent rent always affordable?

No. A percentage rule is only a guide. The right rent depends on local costs, income stability, debt, savings goals and household needs.