Rent to Salary Ratio Calculator - Compare Housing Cost and Income
Use the rent to salary ratio calculator to see how much of your monthly income goes to rent and utilities. This is a quick way to compare apartments, cities or countries before building a detailed budget. Enter net income, rent, utilities and your preferred housing percentage to see whether the ratio is comfortable, tight or risky for your situation.
How this tool helps
Enter your monthly net income and rent to see what percentage of income goes to housing and how much remains for other expenses.
Calculator data status
This page currently uses manual calculator fields. Official country-specific payroll rates have not been fully added yet.
Official sources: 0 / 6 categories
Estimate only. This calculator uses the values and rates shown on this page. Tax, pension, health insurance, social security, unemployment and employer contribution rules differ by country and may change over time. Always verify important calculations with official government sources or a qualified payroll, tax or accounting professional.
Try the Rent to Salary Ratio Calculator
Enter your monthly net income and rent to see what percentage of income goes to housing and how much remains for other expenses.
Result
Fill the form and press calculate to see an estimate.
Assumptions used
Review the inputs and limits behind this planning estimate.
How this calculator works
The calculator adds rent and utilities to estimate total housing cost.
It divides housing cost by monthly net income.
It compares the result with your preferred maximum housing percentage.
Example calculation
Example: EUR 900 rent plus EUR 150 utilities on EUR 3,000 net income equals a 35% housing ratio.
Important limitation
This calculator is a planning tool only and does not replace financial, credit, mortgage or legal advice.
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View Mortgage Affordability CalculatorFrequently asked questions
Is a 35% rent ratio too high?
It can be manageable for some households and risky for others. Check total costs, debt, savings and emergency fund before deciding.
Should utilities be included?
Yes, if you want a more realistic housing-cost ratio.
Can I compare two apartments?
Yes. Run the calculator twice with each rent and utility estimate.