Rent Budget Calculator

The 30% rule: your rent should not exceed 30% of your gross (before tax) monthly income. For $72,000/year, that's $1,800/month. Use 25% for a more conservative budget (more savings) or 35% in high-cost areas if you have limited other debt.

Spend no more than 30% of your gross income on rent. It's a guideline from the US Department of Housing and Urban Development. Landlords often use it to screen tenants. Staying under 30% leaves room for savings, utilities, and other expenses.

The standard 30% rule uses gross (before tax) income. Some people prefer net (after tax) for a stricter budget—if so, aim for 30% of take-home pay. In high-tax areas, 30% of gross can feel tight after deductions.

35% is a stretch—you have less buffer for savings, emergencies, and discretionary spending. It may be necessary in expensive cities. Aim for 25–30% when possible. If you exceed 35%, prioritize an emergency fund and watch other expenses.