Include the whole housing system
Add utilities, internet, required workspace, fees, transport effects, furnishings, insurance, and the cost of leaving.
Read the housing guide →Rent Calculator
Plan a housing ceiling with the costs around the rent.
Use monthly after-tax income, a total housing share, utilities, coworking, and deposit months to estimate base rent, recurring housing cost, and move-in cash. Values remain in the browser.
Browser-only planning tool
Set the assumptions you can defend
This is a scenario calculator, not a lending rule or financial recommendation. Use after-tax income and include the workspace or utility costs required to make the home usable.
Monthly housing scenario
Estimated base-rent ceiling$1,300
Total recurring housing$1,750
Simple move-in cash$3,050
Move-in cash equals base rent for the first month plus the selected deposit months, utilities, and coworking. It does not include advance rent, taxes, platform or broker fees, furniture, temporary lodging, currency fees, travel, or an emergency reserve.
Read the output correctly
A ceiling is a constraint, not a target
Lower the share when income is volatile, savings are thin, debt or family support is high, healthcare is uncertain, or the lease is difficult to exit.
Protect arrival cash
Keep deposit, first month, temporary lodging, setup purchases, and a delay buffer separate from the steady-state month.
Build the full budget →Set a walk-away rule
Decide the maximum move-in cash, lease length, verification gap, and income dependence you will accept before negotiation.
Check neighborhood fit →Stress test
Questions the sliders do not answer
A simple number becomes useful only after the property, contract, payment path, and exit have been checked.
What should I add to the move-in estimate?
Advance rent, taxes, building or cleaning fees, platform or broker charges, furniture, temporary accommodation, payment and currency fees, transport, insurance, and a reserve for delays or disputes.
Does a refundable deposit count as a cost?
It creates cash exposure and return risk even when it is expected back. Document the property condition, inventory, payment, legal terms, and return procedure.
Can I use gross income?
After-tax, reliably available monthly income is a more conservative starting point. Adjust for irregular income, business costs, home-country obligations, savings goals, and debt.
Is the calculator private?
The JavaScript performs the calculation on the page. It does not submit, save, or transmit the slider values. The site contains no account or calculator-storage feature.
Does the estimate verify a listing or lease?
No. Verify the property, owner or agent, contract, payment destination, local law, and your right to rent. Obtain local professional support when the transaction or law is unfamiliar.
Stress-test one real housing option
Use the long-form housing guide to model total move-in exposure, flexibility, early exit, commute effects, verification, and the risks a monthly-rent number hides.