Rent-to-Income Ratio Calculator Guide

Check whether rent plus utilities is taking too much of monthly income before signing a lease.

Use the Rent-to-Income Ratio Calculator to compare housing cost with monthly income.

Do not ignore utilities

A cheap rent can become expensive if electricity, water, gas, internet, service charges, or transport costs are high.

Use a safe range

Many renters use 30% as a rough target, but the right number depends on debt, family size, city costs, transport, and emergency savings.

Red flags

• The ratio is high before utilities.
• You have no emergency buffer after moving in.
• The building has inefficient AC, poor insulation, or high fixed fees.