HOME BUYING, EQUITY, AND BORROWING
Rent-to-Income Calculator
Compare monthly rent with gross monthly income to make a transparent housing-cost scenario.
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Your result
Ready when you are.
Enter your values and select Calculate. Your result stays on this device.
How it works
Percentage = first amount ÷ comparison amount × 100.
Assumptions
Uses only the two values entered. It does not set an approval threshold, recommendation, or eligibility outcome.
About this calculator
Rent-to-income expresses one month of rent as a share of gross monthly income. It gives renters a consistent way to compare housing scenarios without pretending that a single percentage can decide affordability for every household.
How to use it
- Enter the full monthly rent for the home or apartment.
- Enter monthly gross income before taxes and deductions.
- Calculate the percentage for the current or proposed scenario.
- Review utilities, debt, transportation, household needs, deposits, and local eligibility rules separately.
Use case
rent to income calculator: a clear planning check
Compare monthly rent with gross monthly income to make a transparent housing-cost scenario. The stated formula, assumptions, and result limits remain visible so the calculation can be checked in context.
Use a clear rent to income calculator scenario with values you can verify before relying on the result.
Source and update
Last reviewed: 2026-08-10
Consumer Financial Protection Bureau — borrowing and mortgage guidanceFrequently asked questions
How is rent-to-income calculated?
Monthly rent is divided by gross monthly income and shown as a percentage.
Does this include utilities?
No. Add utilities and other housing costs separately if they matter to your budget.
Does the result guarantee I can afford a rental?
No. Landlord criteria, debt, credit, income documentation, household expenses, and local rules are separate from this ratio.
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