How to use this calculator
- Enter monthly take-home income, chosen housing-budget share (%), other monthly housing costs.
- Choose a display currency, then select Calculate. Results also update after a brief pause while you edit.
- Read the result with the assumptions below. Export details or save a second scenario to compare your choices.
Formula and method
Assumptions and limitations
Living expenses, debt, household circumstances and location can make a percentage-based budget unsuitable.
Worked example
With monthly take-home income = 5000, chosen housing-budget share (%) = 30, other monthly housing costs = 200, rent available within chosen housing budget is approximately 1300.
What the result means
The percentage is a personal budget assumption, not a universal affordability or lender rule.
Common questions
How should I interpret rent available within chosen housing budget?
The percentage is a personal budget assumption, not a universal affordability or lender rule.
What should I check before using this result?
Living expenses, debt, household circumstances and location can make a percentage-based budget unsuitable.
Methodology and transparency
Calculation specification reviewed on 2026-10-14. Mathematical implementation is tested against independent reference fixtures. This does not imply review by a licensed financial professional. Read the testing and precision policy.