Rent affordability calculator

How to use this tool

1. Enter your values or choose a local file. Replace the example data with your own.
2. Review options, units and assumptions, then run the tool.
3. Check the result before copying or downloading it. Keep an original copy of important files.

Method & assumptions

How much rent you can afford with the 30% rule, the landlord 40× rule and your existing debts.

Worked example

Annual gross income: 65,000
Monthly debt payments: 300

→ Rent at 30% of gross income: 1,625
→ Landlord 40× rule (annual income ÷ 40): 1,625
→ With your debts (total debt ≤ 43%): 2,029.17
→ Suggested maximum rent: 1,625

Limits & important notes

Basic release. Review the result before relying on it. File limits, supported cases and processing requirements are shown above.

Content updated: 2026-10-10