Find how much rent you can afford on your salary using the 30% rule, a comfortable 25% level and a budget 20% level, plus security deposit and what is left for other spending.
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A common guideline is to spend no more than 30% of your monthly income on rent. Going above that leaves less for savings, food and emergencies.
Enter your monthly income to see the maximum rent under the 30% rule and a more comfortable figure at 25%.
| Monthly Take-Home Income | ₹40,000 |
| Maximum rent (30% rule) | ₹12,000 a month |
| Comfortable rent (25%) | ₹10,000 a month |
| Budget-friendly rent (20%) | ₹8,000 a month |
| Yearly rent at 30% | ₹1.44 lakh |
| Security deposit to keep ready (2–3 months) | ₹24,000 – ₹36,000 |
| Income needed for a ₹12,000 rent | about ₹40,000 a month |
Maximum rent ₹12,000 a month; comfortable ₹10,000 a month.
| Monthly Take-Home Income | ₹60,000 |
| Maximum rent (30% rule) | ₹18,000 a month |
| Comfortable rent (25%) | ₹15,000 a month |
| Budget-friendly rent (20%) | ₹12,000 a month |
| Yearly rent at 30% | ₹2.16 lakh |
| Security deposit to keep ready (2–3 months) | ₹36,000 – ₹54,000 |
| Income needed for a ₹18,000 rent | about ₹60,000 a month |
Maximum rent ₹18,000 a month; comfortable ₹15,000 a month.
| Monthly Take-Home Income | ₹100,000 |
| Maximum rent (30% rule) | ₹30,000 a month |
| Comfortable rent (25%) | ₹25,000 a month |
| Budget-friendly rent (20%) | ₹20,000 a month |
| Yearly rent at 30% | ₹3.6 lakh |
| Security deposit to keep ready (2–3 months) | ₹60,000 – ₹90,000 |
| Income needed for a ₹30,000 rent | about ₹1,00,000 a month |
Maximum rent ₹30,000 a month; comfortable ₹25,000 a month.
The rule is traditionally applied to gross income. Using take-home income is more conservative.
In expensive cities, a shared flat or a longer commute can bring the ratio down.
Include maintenance and utilities if you want the full cost of housing.
Keep rent at or below 30% of your monthly take-home pay — 25% is more comfortable. On ₹50,000 that is ₹15,000 maximum.
A guideline that rent should take no more than 30% of your income so enough is left for food, bills, savings and emergencies.
Divide the rent by 0.3. For ₹20,000 rent you need about ₹66,700 a month in take-home pay.