How it works
The most widely used affordability guideline says rent should take at most 30% of your net income; Eurostat classifies households spending over 40% on housing as “overburdened”. Where you sit on that scale determines how much room you have for saving, investing and everything else.
Enter your monthly rent and net income to see your rent-to-income ratio, an affordability verdict and the maximum rent the 30% guideline supports. In expensive capitals like Dublin, Paris, Amsterdam or Lisbon, many tenants realistically exceed the guideline — the point is to know by how much.
Rent affordability
RentShare = Rent ÷ NetIncome
Comfortable ≤ 30% · Stretched 30–40% · Burdened > 40%
MaxComfortableRent = NetIncome × 30%Use household net income if you share the rent. Compare like with like: if your rent excludes utilities, budget them separately.