About this calculator
This calculator answers 'how much rent can I afford?' from your take-home pay, your regular commitments and the amount you want left each month.
How the calculation works
Suggested maximum rent = take-home − commitments − buffer. We don't apply a universal 30% rule; your own budget matters more.
Worked examples
Take-home £2,500, typical commitments
£2,500 − £900 − £200 buffer = £1,400/month.
Salary needed for £1,200 rent
With typical commitments and a £200 buffer you'd need about £2,300 take-home a month.
Upfront cost of a £1,300 rental in England
One week's holding deposit £300, a deposit of up to £1,500 and the first month's rent.
What changes the result?
- Take-home pay.
- Debt and childcare.
- Your chosen buffer.
Common mistakes
- Using gross salary instead of take-home pay.
- Forgetting council tax and bills.
- Leaving no buffer for emergencies.
Frequently asked questions
How much rent can I afford?
Whatever leaves room for your commitments and savings buffer — the calculator works it out.
Is there a 30% rule?
It's a rough rule of thumb, not a standard. We don't apply it.
What do landlords check?
Many check income against rent, but each sets its own criteria.
How much is a tenancy deposit?
It depends on the nation — the calculator shows the rules for each.
Can a holding deposit be more than a week's rent?
Not in England under the Tenant Fees Act.