Rent to Income Calculator (3x Rule)
Most landlords require your income to be at least 3x the monthly rent (or 40x annual rent). This calculator checks if you qualify solo or with co-applicants, shows exactly how much income you need, and gives you your qualification status: qualified, borderline, or not qualified.
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
Related Calculators
Affordability
How much rent can I afford? Enter your income and debts to get safe, comfortable, and stretch rent budgets using the 30% rule. Free calculator — no sign-up.
Move-In Costs
Calculate total first apartment move-in costs including deposits, first/last month, broker fees, furniture, and setup expenses.
50/30/20 Budget
Build a complete renter budget using the 50/30/20 rule. See exactly how much to spend on needs, wants, and savings.
Prorated Rent
Calculate exact prorated rent for partial months when moving in or out mid-month. Multiple calculation methods.
DTI Calculator
Calculate your debt-to-income ratio and find out how much rent you can afford. See if you qualify for apartments based on DTI requirements.
True Cost
Calculate the real monthly cost of any apartment including hidden expenses like commute, utilities, parking, laundry, and fees.
Related Guide
Understanding Your Debt-to-Income Ratio (DTI)
What DTI is, how lenders use it, and 7 proven strategies to lower yours.