Calculate how much rent you can afford using UK industry standards. Used by estate agents and landlords for tenant referencing.
Use our calculator to see if you meet the affordability requirements used by UK estate agents and landlords. This tool follows the same referencing standards we use in our professional services.
If you don't meet the affordability requirements, you may need a guarantor. They must earn at least 3x the monthly rent.
Guarantor Requirements:
Required annual income:
Required monthly income:
Enter your details above to calculate affordability
Our calculator follows UK industry standards used by estate agents
Our calculator follows the same rules used by UK estate agents and landlords for tenant referencing.
Your monthly gross income must be at least 2.5 times the monthly rent. This is the standard used by most UK landlords and letting agents.
Even if you meet income requirements, landlords will also check your credit history and references for a complete assessment.
If you don't meet the income requirement, a guarantor earning 3x the monthly rent can support your application.
Our calculator follows the exact same rules used by UK estate agents and landlords during tenant referencing. Get accurate results that match real-world requirements.
Based on UK letting agent best practices and referencing requirements
Easy-to-understand rent-to-income ratio calculations
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No registration required, completely free calculator for everyone
Common questions about UK tenant affordability calculations
The 2.5x rule means your monthly gross income should be at least 2.5 times the monthly rent. For example, if rent is £1,000 per month, you need to earn at least £2,500 per month gross.
You need a guarantor if your income doesn't meet the 2.5x monthly rent requirement, or if you have poor credit history. The guarantor must earn at least 3x the monthly rent and pass credit checks.
UK estate agents and landlords use gross income (before tax) for affordability calculations. This is your salary before deductions like tax, National Insurance, and pension contributions.
Self-employed applicants typically need to provide 2-3 years of accounts or SA302 forms. Some landlords may require higher income multiples (3x or more) due to income variability.