Rent and Money Calculators
Work out the numbers behind a lease: what income landlords look for, how to split rent fairly, and what a move or a change really costs.
Before you sign
Check what you can afford and the income a landlord may ask for, what a deal with free months really costs, what the utilities add, how much renters insurance you need, and whether buying would leave you ahead.
How Much Rent Can I Afford?
Enter your pay before taxes and the utilities you'll pay to see the most rent that keeps housing within 30% of your income, what landlords' income rules allow, and how that compares with what renters in your state pay.Open the calculator40x Rent Calculator
Enter the rent and your yearly income to see whether you meet the 40x rule, how much you'd need, and what a guarantor would need. Or work out the most rent your income qualifies for.Open the calculatorNet Effective Rent Calculator
Enter the gross rent, the lease length and the free time on offer to see the net effective rent, what you pay over the whole lease and what the concession is worth.Open the calculatorApartment Utilities Cost Calculator
Pick your state, the apartment's size and its heat to see what renters typically pay for electricity and gas, then add water, trash and internet for a monthly total.Open the calculatorRenters Insurance Calculator
Enter what your things would cost to buy new, by category, to see how much personal property coverage to look for, plus loss of use, liability, the lower limits on jewelry and cash, and what renters in your state pay.Open the calculatorRent vs Buy Calculator
Enter the rent, the home and the rate (this week's 30-year average, 7.32%, to start) to follow both choices year by year, as what you'd have at the end of your stay, and see the year buying would pull ahead.Open the calculator
Sharing the rent
Split rent and bills by room size or by income, to the cent.
Rent Split Calculator
Enter the rent and each bedroom's size to split rent fairly between roommates, with shared space split equally and extras for features you agree on.Open the calculatorRent Split Calculator by Income
Enter each person's income and your rent to split housing costs in proportion to what you earn, so everyone pays the same share of their income.Open the calculator
Changes and moving
See what a rent increase adds up to, what a partial month costs, what leaving early could cost, when your deposit is due back and which move costs less.
Rent Increase Calculator
Compare your current and new rent, add a percentage to it, or project yearly increases to see what a rent increase really costs you.Open the calculatorProrated Rent Calculator
Enter your rent and move date to see what you owe for a partial month, worked out the three common ways leases prorate rent.Open the calculatorBreak Lease Cost Calculator
Enter your rent, the months left and what your lease says to compare what leaving early could cost: paying a fee, paying rent until the unit is re-rented, or paying the rest of the lease.Open the calculatorSecurity Deposit Calculator
Pick your state and enter your move-out date, rent and deposit to see the date your landlord must return the deposit by, whether it was within the legal limit, and what your state's law says.Open the calculatorMoving Cost Calculator
Enter your quotes for a truck, movers or a moving container to see which move costs less, with the truck's gas and the costs every move has. No email or sign-up needed.Open the calculator
The math behind a lease
Rent decisions come down to a few numbers: the income a landlord asks for, what a move-in special is really worth, how to divide the rent with roommates, and what a change costs before it happens. These calculators work them out from what you enter, step by step, and show the formula under every result.
Everything runs in your browser. Nothing you type is sent anywhere, and you can copy a link to share the result with a roommate, a partner or a landlord.
Before you sign
Start with what you can afford: the rent affordability calculator works out the most rent you can afford on your income, after utilities, and compares it with what renters in your state pay. Many landlords look for a yearly income of a set multiple of the monthly rent, and some ask for a guarantor who earns more. The 40x rent calculator works it out both ways: the income you need for a rent, or the rent your income supports. If a listing offers free months, the net effective rent calculator shows what you'll pay on average. And the apartment utilities cost calculator adds what renters in your state typically pay for electricity and gas, so you can budget the whole month, not just the rent. The renters insurance calculator adds up what your things would cost to replace and shows what renters in your state pay for a policy. Wondering whether to keep renting at all? The rent vs buy calculator follows both choices year by year, at today's mortgage rate, and shows when buying would pull ahead.
Sharing and changes
Roommates can split rent by room size, with shared space divided equally, or by income, so everyone pays the same share of what they earn. When the rent goes up, the rent increase calculator shows the change in dollars and percent and how yearly increases add up. Short on rent one month? The late rent letter tells your landlord why and when you'll pay. Moving in or out partway through a month? The prorated rent calculator shows the three common ways leases count it. After you move out, the security deposit calculator gives the date your landlord must return your deposit by in your state, and checks it against the legal limit. Planning the move itself? The moving cost calculatorcompares your quotes for a truck, movers and a moving container, with the truck's gas.
General information, not advice
Leases and state laws differ, and these tools don't know yours. Each page explains its method and its assumptions. For decisions with real money at stake, such as breaking a lease, read your lease first and talk to a local tenant organization or legal aid office if anything is unclear.