Free · No signup · Private
Rent Affordability Calculator (30% Rule)
Free rent affordability calculator: your rent as a share of household income, the most you can spend at 30% (the rental stress line) and a comfortable 25% figure.
Rent and income
Rent as a share of income
32.8%
| Monthly rent | $2,600 |
| Most rent at 30% of income | $548 a week |
| Comfortable rent (25%) | $457 a week |
Over 30% of income is usually called rental stress. Check if you can get Commonwealth Rent Assistance, or look at sharing or a cheaper suburb.
The 30% rule is a rule of thumb, not a law. Lower-income households feel rent stress sooner because less is left for other costs.
Gross (before tax) income. Not legal, tax or financial advice. 🔒 Everything stays on your device.
📚 Official sources: Services Australia: Rent Assistance
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
🛠️ Spotted a mistake or an out-of-date rule? Tell us
Questions people ask
How much rent can I afford?+
A common rule is up to 30% of your gross household income. On $95,000 a year that's about $548 a week.
What is rental stress?+
Usually when rent is more than 30% of a lower-income household's gross income.