Housing Budget Calculator
Enter your gross monthly income and see common guidelines (e.g. 28% or 30%) for how much to spend on housing.
Housing budget
Enter income.
How it works
Many guidelines suggest 28–30% of gross income for housing. We show 25%, 28%, 30%, and 36% so you can pick a target.
When to use it
Use it to set a rent or mortgage budget or to check if you're within typical limits.
Frequently asked questions
Gross or net income?
Most guidelines use gross. For a stricter budget use net after taxes.
What about other debt?
Total debt (including housing) is often capped at 36–43%. Use DTI calculator for that.