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.
How to use
- Open this page on any device — no signup needed.
- Fill in the fields above.
- 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?
What if I have big debts?
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