Rent Affordability Calculator UK

Calculate Your Affordable Rent

Enter your income details to find out how much rent you can afford using UK industry-standard calculation methods.

Your total income before tax and deductions
Your take-home pay after tax (improves accuracy)
Check if a specific rent amount is affordable
Loans, credit cards, car finance, etc.
Number of adults splitting the rent cost

How We Calculate Affordability

30× Rule: Your annual gross income divided by 30 gives the maximum monthly rent. This is the most common rule used by UK letting agents and landlords for tenant referencing.

35% of Net Income: Your monthly take-home pay multiplied by 0.35. This ensures rent doesn't exceed 35% of your disposable income.

40% of Gross Monthly Income: Your gross monthly income (annual ÷ 12) multiplied by 0.40. A more generous calculation sometimes used in the industry.

We calculate all three methods and use the most conservative (lowest) result to ensure you can comfortably afford your rent.

Disclaimer: This tool is a guide only and not financial advice. Always consider your personal circumstances and seek professional advice if needed.