Rent Affordability Calculator UK
Check whether your rent is affordable based on your monthly income and existing debts. See your affordability ratio and recommended maximum rent.
Calculator
What this means
Financial advisers often recommend spending no more than 30% of gross monthly income on housing costs. Including existing debts gives a clearer picture of what you can realistically afford.
Frequently asked questions
A common guideline is 30% of gross monthly income. Some lenders and landlords use 35–40% as an upper limit, but lower is generally safer.
This calculator uses gross (before tax) income, which is the standard approach for affordability checks. Using net income would give a more conservative result.
No. Enter your rent only. You should budget separately for council tax, utilities, insurance and other household costs.
Disclaimer
This calculator provides estimates for guidance only. It is not financial, legal or tax advice. Always check official sources or speak to a qualified professional before making decisions.
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