Calculators

Rent Affordability Calculator for Moving Abroad

Rent affordability calculator: test €950 rent against €3,000 net income, bills and savings, plus the cash for a 2-month deposit and moving costs.

Changing currency converts every amount using the latest available exchange rates.

Your normal month
Cash needed before moving in

Your rent plan

At €950 rent, housing takes 37% of your €3,000 income and €690 is left each month after your plan. Moving in needs €3,650 up front.

Income spent on housing
37.0%
Left after the full monthly plan
€690
Rent + housing bills
€1,110
Income spent on rent
31.7%
Left after housing
€1,890
Cash needed to move in
€3,650
Where the monthly income goes
  • Monthly rent€95032%
  • Utilities and housing bills€1605%
  • Food, transport and other essentials€90030%
  • Savings you want to keep each month€30010%
  • Left€69023%

What this result says

Housing takes 30% to 40% of income

This is a useful caution range, but the money left after essentials matters more than one rule.

The 30% and 40% bands are orientation points, not universal affordability rules. Household needs, debt and local housing conditions differ.

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Next steps with this result

Compare the cards and services this result applies to:

Cost of living hubCompare country price levels, use relocation tools and read the practical guides in one place.Cost of living calculatorCompare the rest of your monthly budget between two European locations.Paying rent abroadCheck deposits, payment evidence, contracts and common cross-border rent risks.

How to read this rent check

Use take-home pay

Enter the income that reaches your account after tax and regular payroll deductions.

Separate monthly and upfront costs

Rent and bills shape a normal month. Deposit, fees and moving costs tell you how much cash is needed before the keys.

Check the money left

A percentage alone cannot describe affordability. The amount left after essentials and savings is the more practical stress test.

Decision framework

This rent affordability calculator shows what is left each month after rent, utilities, essentials and savings, and how much cash you need before you move in.

Monthly housing cost is rent plus utilities. The calculator subtracts housing, other essential costs and your savings target from net income to show the monthly remainder. Separately, it adds the first month’s rent, the deposit in months of rent, agency and contract fees and moving costs to show the cash needed upfront. Housing under 30% of income, 30–40% and 40% or more are shown as reference bands. Check the upfront total against the cash you will have on the date it is due; a deposit due before your next payday has to come from savings.

Example: €950 rent on €3,000 net income

With €3,000 net income, €950 rent, €160 utilities, €900 other essentials and €300 savings, €690 is left each month. Housing costs €1,110, or 37% of income. A two-month deposit, the first month’s rent and €800 for moving add up to €3,650 before move-in. If you have €3,000 available on the payment date, you are €650 short, even though the monthly plan works.

Check the amount and the date

  • Enter income after tax and after any obligations already deducted.
  • Separate utilities included in the rent from extra bills so none is counted twice.
  • Take the deposit, agency fee and payment schedule from the actual lease.
  • Keep emergency cash apart from the move-in amount and check what you will have on each due date.

FAQ

Can I afford the lease if housing is under 30% of income?

Look at the monthly remainder as well as the ratio. With realistic essentials and savings entered, a positive remainder shows the rent fits your month. Irregular income, debt payments and bills due before payday also count.

Is the upfront amount an extra monthly cost?

It is a one-time total that already includes the first month’s rent, so count that rent once when you plan the first month. A refundable deposit still has to be paid at the start from money you have available.

Does changing the currency convert the amounts?

Yes. This calculator converts all amounts and results at the stored exchange rates shown on the page. These are reference rates with no bank conversion fee added.

What happens at zero income?

Housing shares need an income above zero, so they show a dash. The upfront cash and the monthly shortfall still show what you need to cover.

Results use the amounts and fees you enter, so replace the examples with your own numbers. How we compare