Rent Affordability Calculator
How much rent can you afford? Compare the 30% rule, landlord affordability checks, and a budget-based recommendation tailored to your actual income and outgoings.
Affordable rent (30% of gross)
£875/mo
Commitments include loan payments, credit cards, subscriptions, and any other regular outgoings. Savings goal is how much you want to put aside each month.
Affordable rent (30% of gross)
£875/mo
Net monthly income: £2,393
30% of net income
£718/mo
Landlord max rent
£1,167/mo
Budget-based affordable rent
£947/mo
Based on your income minus commitments and savings
Affordable rent comparison
Traditional letting agent guideline
More realistic — what you actually take home
Maximum rent most landlords will accept
After commitments and savings goals
Monthly budget at 30% of gross
What's left after rent
£1,018
at 30% gross rent
£1,175
at 30% net rent
Remaining = net income − rent − commitments − savings
Landlord affordability check: Your salary of £35,000 is at least 2.5× the annual rent of £10,500. Most landlords would accept this.
Our recommendation: The most conservative measure suggests a maximum rent of £718/month (30% of net).
The 30% rule is a guideline — not a hard limit. In expensive areas like London, many renters spend 40-50% of income on rent. The budget-based figure accounts for your actual commitments and savings goals. Tax calculated using 2025/26 UK rates.