Rent to Income Calculator (3x Rule)
That dream apartment listing is useless if you don't clear the income requirement. Most landlords use the 3x monthly rule; NYC landlords use the stricter 40x annual rule ($2,500 rent = $100K salary). This calculator tells you instantly if you qualify, how much income you're short by, and whether combining incomes with a co-applicant gets you over the line.
Most landlords require your income to be at least 3 times the monthly rent to qualify for an apartment. Enter your income, desired rent, and any co-applicant incomes to instantly check if you pass both the 3x monthly rule and the stricter 40x annual rule. See your maximum qualifying rent, rent-to-income ratio, and exactly how much additional income you would need if you fall short.
Your primary monthly income before taxes
Side gigs, freelance, investments, etc.
The monthly rent for the apartment you want
Add co-applicants if applying together. Their income will be combined with yours.
How This Calculator Works
Enter Your Details
Fill in amounts, people, and preferences. Takes under 30 seconds.
Get Fair Results
See an instant breakdown with data-driven calculations and Fairness Scores.
Share & Settle
Copy a shareable link to discuss results with everyone involved.
Frequently Asked Questions
People Also Calculate
50/30/20 Budget
On a $4,500/mo take-home, the 50/30/20 rule gives you $2,250 for needs, $1,350 for wants, and $900 for savings. See your exact breakdown — adjusted for rent.
Affordability
The 30% rule says you can afford $1,500/mo on a $60K salary. Factor in student loans and your real number drops to $1,100. Get your actual budget.
DTI Calculator
Most landlords reject you above 40% DTI. Calculate your debt-to-income ratio, see max affordable rent at 36% and 43% thresholds, and know where you stand.
Paycheck Calc
On a $65K salary, you take home roughly $1,925 per biweekly paycheck after federal tax, FICA, and state tax. See your exact number for any salary.
Hourly ↔ Salary
$28/hour is $58,240/year before taxes. Convert any hourly wage to annual salary or salary to hourly rate adjusted for your work hours and vacation.
Rent Split
Your roommate with the master suite shouldn't pay the same as the person in the closet-sized room. Split rent by square footage, features, and income — with a Fairness Score.
Cost of Living
A $75K salary in Austin has the same buying power as $118K in San Francisco. Compare cities and find the salary you need to break even.
True Cost
That $1,500/mo apartment actually costs $2,200 when you add utilities, parking, commute, laundry, and fees. See the real number before you sign a lease.
Move-In Costs
First month, last month, security deposit, broker fee — moving into a $1,500/mo apartment can cost $6,000+ upfront. See your real total before you sign.
Related Guide
Understanding Your Debt-to-Income Ratio (DTI)
What DTI is, how lenders use it, and 7 proven strategies to lower yours.