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How much rent you can afford using the 30% rule, the 3× rent rule, and a debt-adjusted number.
30% rule: rent ≤ 30% of gross monthly income. 3× rule: landlords require gross monthly ≥ 3× rent. Debt-adjusted deducts existing monthly debt from the 30% figure.
Yes — all computation happens in your browser. We don't store the values you enter.
50% needs, 30% wants, 20% savings & debt — a simple budgeting starting point.
Income is what you earn; net worth is what you own minus what you owe. Build net worth by keeping the gap between income and spending positive.
The portfolio size at which 4%/yr withdrawals indefinitely cover your annual expenses — i.e., 25× expenses.
Not always. Net of cost of living, taxes, commute, and benefits, the smaller salary sometimes wins.
Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.
Last updated October 2026