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Can I afford this rent?

See what is left after rent, everyday bills, and savings. Try different rent amounts to compare the monthly costs.

2026 tax year · Planning estimate · No account required

Amounts in USD

After housing, bills, debt and savings

US$1,629 left each month.

Based on estimated take-home pay of US$5,279 a month. Anything you haven’t included still comes out of the amount left.

Try a rent amountUSD

Full rent, before any roommate’s contribution.

Your income & housingUSD

Before tax, benefits and other payroll deductions.

Your share of power, heat, water and internet not included in rent.

Where your take-home pay goes

USD / month

Housing uses 37% of estimated take-home pay. Your savings are already set aside in this breakdown.

What else needs to fit?

Enter what you expect to pay or save each month.

Food, transport, phone and other bills. Leave out housing and debt payments entered separately.

Minimum loan and card payments. Leave at 0 if you have none.

What you want to keep saving after you move.

Sharing rent, extra housing costs & tax details

Only rent paid by someone whose income isn’t included here. Capped at the lease rent.

If you share the whole budget, add the other person’s income. Don’t also count their rent contribution above.

Take-home pay is estimated after federal, state and employee payroll taxes. Local taxes, benefits and withholding choices can change your pay.

Calculation details & sources

How we work it out

We subtract housing, everyday costs, debt payments and savings from estimated take-home pay. Housing includes your share of rent, utilities, insurance, parking and storage.

What the chart shows

When costs fit, the ring shows how your take-home pay is divided. When costs exceed your pay, it shows total monthly costs. The shortfall is the extra money you need to cover them.

Tax assumptions

Take-home pay uses an ordinary full-year resident wage estimate with standard deductions and modeled wage credits. It is not a complete tax return: age, dependants, itemized deductions, other income and eligibility-based refunds are not entered.

Employee payroll contributions use standard shares unless confirmed elections are supplied. Employer-paid shares, approved exemptions, employer-specific programs and unselected local taxes can change actual pay.

Final 2026 ordinary-income return lookup tables are not yet published. This annual estimate uses the published 2026 rates or estimated-tax/statutory schedule; final filing-table bins and whole-dollar return rounding may differ.

Enacted2026 chart and credit eligibility are modeled; final2026 return line rounding is not yet published.

Estimated take-home / month
US$5,279.46
Housing / month
US$1,950.00
Other costs and savings / month
US$1,700.00
Money left / month
US$1,629.46

    Find a place that fits the life you want.

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    Help me figure out how to buy our first home in 3 years
    Fred

    I’d start your first-home plan with $1,500 a month toward an October 2029 purchase, but I wouldn’t choose a house-price ceiling yet. Your current income and budget, including daycare, leave an estimated $2,255 a month; that savings pace leaves $755 a month for other needs if your pay and spending hold. I’d leave Checking for bills and your $24,000 Emergency Savings intact.

    Common questions

    What rent is affordable in the United States?

    The common 30% guideline compares housing with before-tax household income. This calculator also estimates taxes and the money left after bills, debt, and savings, because the percentage alone does not determine affordability.

    Should I use income before tax or take-home pay?

    Enter yearly income before tax. Take-home pay is estimated using the location and tax details you enter. Enter monthly rent, bills, debt payments and savings as amounts you pay from that take-home pay. Your actual pay can differ because of workplace benefits and other payroll deductions.

    Can I share rent or include a second income?

    Yes. If someone whose income is not included pays part of the rent, enter their monthly rent contribution in the extra details. If you share the whole household budget, enter the second person’s yearly income and your combined costs instead. Do not also count that same person’s rent contribution, or their help would be counted twice.

    What does money left include?

    Money left is estimated take-home pay minus housing costs, everyday costs, debt payments and the savings amount you enter. It is not a guarantee of spending money: anything you have not entered still needs to come from it. If costs exceed take-home pay, the result shows the monthly shortfall instead.