Rent Affordability — The 3x Rule vs the 30% Rule

Landlords want income ≥ 3× monthly rent; budgeters say keep rent ≤ 30% of gross. See the max rent both ways — and a lean 25% version.

Quick answer: Free rent affordability calculator: income in, max rent out — the 3x gross rule landlords use, the 30% budget rule, and what's left for everything else.

Max rent (3x rule)
Max rent (30% rule)
Lean target (25%)
Left after lean rent

How to use

  1. Open this page on any device — no signup needed.
  2. Fill in the fields above.
  3. Get your result instantly — nothing is uploaded.

About this tool

Two standards rule renting: the landlord's 3× rule (gross income must be triple the rent) and the budgeter's 30% rule (rent ≤ 30% of gross income). They disagree on purpose — one protects the landlord, one protects you. This calculator shows the ceiling each allows, plus a lean 25% target with the monthly dollars left over for savings.

FAQ

Is the 3x rule on gross or net income?
Almost always gross (pre-tax) — which is why apartments that pass the rule can still feel unaffordable on net pay.
What if I have big debts?
Then 30% gross is too high — budget from net income instead and keep total debt payments under 36%.

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