Rent Affordability Calculator

How Rent Affordability Calculator works

Apply the 30% rule to your take-home income and see what rent fits, plus what remains each month. Everything happens inside this page: the tool reads your input, runs the calculation or conversion locally, and hands the result back to you. Nothing is transmitted, because there is no backend to transmit it to.

That design choice is deliberate. Most free tool sites upload your files to a server, process them there, and quietly keep a copy. Toolcin cannot do that — the site is a set of static files. If your connection dropped the moment the page finished loading, every tool would still work.

The 30% rule

The common guideline is to spend no more than 30% of take-home pay on rent. On 120,000 a month that is 36,000, leaving 84,000 for everything else.

It is a rule of thumb from housing policy, not a law of personal finance: in expensive cities people routinely spend 40–50%, and in shared housing much less.

Why take-home, not gross

Rent is paid from money you actually receive. Using gross salary overstates affordability by the tax rate — a 30% rule on gross can mean 40% of take-home for a higher earner.

What the ceiling excludes

Utilities, maintenance, security deposits and commuting costs. A cheaper flat far from work can cost more per month once transport is counted, which is why the 30% rule is a starting point rather than an answer.

Good to know

• Works offline once loaded, including on flights and in locked-down networks.
• No file size limit beyond your device's own memory.
• Free to use, with no account and no usage counter.
• Results are produced locally, so they are not logged or shared with anyone.

Questions