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TrueDeed

Rent affordability calculator

Plan your budget, find the income a rent needs, or split a tenancy with roommates — all in one place.

Your income
£

Total yearly income before any deductions

£

Leave as 0 to auto-estimate (~£2,275)

£

Combined household income for shared renting

Budget rule
30%
Conservative (20%)Standard (30%)Aggressive (40%)
%
£

Leave blank to assess your suggested maximum rent.

Suggested maximum rent

£875/month

The more cautious of your 30% rule and what's left after your costs.

Weekly equivalent

£202

Total monthly income: £2,917 gross

30%of income
Fair

Rent-to-income ratio

Based on your suggested maximum rent. Enter a rent you're considering to test a specific figure.

Max by ratio

£875

/month

After all costs

£1,368

/month

Monthly outgoings

£1,555

total

Money leftover

£493

/month

Yearly projections

Annual rent

£10,500

Annual housing (incl. utilities)

£12,300

Total annual outgoings

£18,660

Budget breakdown
Where your monthly net income goes
50/30/20 budget rule
How your spending compares to the popular framework

Needs (target 50%)

68%

Wants (target 30%)

12%

Savings (target 20%)

20%

Upfront move-in costs

£2,825

Security deposit + fees + any upfront rent + moving costs + emergency cushion.

Search rentals in your budget
Tips
  • Most landlords require an income of 2.5–3× the monthly rent.
  • The 30% rule is a guideline — adjust it for your debts and savings goals.
  • Don't forget hidden costs: utilities, internet, contents insurance, parking.
  • Aim to keep 3–6 months of expenses saved as an emergency fund.

This is a guidance tool. Net income is estimated at roughly 78% of gross; actual tax and National Insurance vary by personal circumstances. It does not guarantee landlord or referencing approval — individual lender and agent criteria may differ.