Housing Budget

How Much Rent Can I Afford?

Find your safe rental budget using the 30% rule, the 40x rule, and a debt-adjusted conservative estimate.

Your Financial Picture

Car loans, student loans, minimum credit card payments.

Standard Budget (The 30% Rule)

$1,875

Most landlords require you to earn 40x this amount annually (which you do).

Alternative Targets

Conservative Target$1,788
Factors in your $400 debt payments so you aren't "house poor." Highly recommended if you have high debt.
Aggressive Limit (35%)$2,188
The absolute maximum you should stretch for in high-cost cities like NYC or SF.

The 40x Rule: In major cities, landlords require your annual income to be 40 times the monthly rent. To qualify for a $1,875 apartment, you must prove you make exactly $75,000/year.

Keep Exploring

Mortgage Refinance Calculator

Calculate if refinancing makes sense. Find your break-even point and exact lifetime interest savings.

401(k) Retirement Calculator

See how your contributions, employer matches, and compound interest will grow your 401(k) by the time you retire.

Rule of 72 Calculator

A legendary mental math shortcut. See exactly how many years it will take your investment to double at a given interest rate.