Free UK renting calculators to help you understand affordability, income checks, guarantors, rent splitting and upfront costs before you apply for a home.
Choose the right renting calculator
Rent affordability calculator
Compare a practical household budget with a selectable letting-agent income multiple. Use this when you want to ask, “How much rent can I afford?”
Income required to rent calculator
Start with the monthly rent and estimate the gross annual income that a 30×, 36× or 40× referencing scenario may require.
Guarantor affordability calculator
Estimate whether a guarantor’s gross income could meet a chosen income multiple. Actual agents and insurers can use different criteria.
Rent split calculator
Compare equal, income-weighted and room-weighted ways to divide household rent.
Tenancy deposit calculator
Estimate the tenancy-deposit cap, holding deposit and first-month cash needed for a tenancy in England.
Which calculator should I use?
- You know your income and budget: use the rent affordability calculator.
- You know the rent: use the income required calculator.
- An agent has asked for a guarantor: use the guarantor calculator.
- You are moving with other people: use the rent split calculator.
- You are planning moving-in cash: use the deposit calculator.
How rental affordability checks work
Many letting agents compare the annual rent with gross annual household income. A common illustration is a 30× monthly-rent test: £1,000 monthly rent multiplied by 30 gives £30,000 gross annual income. This is not a legal rule and different agents, landlords and referencing providers can apply different multiples and additional checks.
A referencing result is also different from personal affordability. Your take-home pay, debt, childcare, travel, utilities and other commitments determine whether the rent is sustainable for you.
Renting guides
New to renting? Start with renting terms explained: pcm, APT, holding deposits and more in plain English.
Affordability and income
- How letting agents calculate rent affordability
- What salary do you need to rent in the UK?
- Salary needed to rent in every UK region (2026 data)
- How joint income affects rent affordability
- Renting when your income varies
- Renting when you’re paid weekly or have two jobs
- Renting as an agency worker
- Renting when you’re self-employed
- How much rent can you afford on minimum wage?
- Can you rent privately on Universal Credit?
- Converting weekly rent to monthly (pcw to pcm)
- What bills do you pay when renting?
- What percentage of your income should go on rent?
- How much can a landlord increase your rent?
- Can you rent on a zero-hours contract?
- How much of your student loan goes on rent?
- Is rent paid in advance or in arrears?
- What to do if you can’t pay your rent
- Can you offer more than the asking rent?
- Do tenants pay Council Tax?
Applications and referencing
- Applying to rent before starting a new job
- Employer hasn’t replied to your rental reference?
- How long does tenant referencing take?
- Can you rent as a student without a UK guarantor?
- How to rent with no rental history
- What is a Right to Rent check?
- What documents do you need to rent a property?
Guarantors and credit
- Renting with a guarantor
- How much does a rent guarantor need to earn?
- Renting with a low credit score
- Does being a guarantor affect your credit score?
- What is a rent guarantor service?
- Who can be a rent guarantor?
- How long is a rent guarantor liable for?
- What happens to a guarantor if the tenant stops paying?
- Is a guarantor liable for the whole rent on a joint tenancy?
- Can you rent with a CCJ?
Deposits and upfront costs
- Upfront costs of renting in the UK
- Five weeks’ rent deposit explained
- Furnished vs unfurnished rentals: which costs less?
- How much is a holding deposit, and do you get it back?
- When do you get your tenancy deposit back?
- Can a landlord ask for rent in advance?
- Can a landlord charge a pet deposit or pet rent?
- How to check your deposit is protected
- What counts as fair wear and tear?
- Tenancy deposit rules in Scotland
- Tenancy deposit rules in Wales
- Can a landlord take unpaid rent from your deposit?
- What fees can a letting agent charge?
- Tenancy deposit rules in Northern Ireland
- Can you get help paying a rent deposit or moving costs?
- What is a deposit replacement scheme?
Sharing and couples
- How to split rent with a partner who earns more
- Housemate moving out: who pays their share?
- How much does it cost to live in a house share?
- Lodger or tenant: what’s the difference?
- Can my partner move in with me in a rented home?
- What is an HMO?
Your rights as a renter
- Can a landlord refuse tenants with children?
- What is a rent repayment order?
- Who pays for repairs when you rent?
- Can your landlord enter without permission?
- How to complain about a letting agent
- Can a landlord still evict you without a reason?
- Can your landlord sell the house while you’re renting?
- What is a private residential tenancy in Scotland?
- What happens if your landlord’s home is repossessed?
- Do normal renting rules apply if you rent from family?
Moving home
- Paying rent on two homes when you move
- How much does it cost to move out of a rented home?
- How much notice do you need to give to leave?
- Moving into a rented home: first-week checklist
- How to work out rent for part of a month
- Do you need contents insurance when you rent?
- Who do you need to tell when you move house?
Important UK differences
The affordability tools are planning estimates that can be used across the UK, but tenancy rules differ between England, Scotland, Wales and Northern Ireland. The FigurePath tenancy-deposit calculator currently models the statutory caps that apply to most private tenancies in England. Always check the nation-specific rules for the property.
Private, transparent estimates
Calculations run in your browser and do not require an account. Each calculator shows its assumptions and working. Results are estimates, not a guarantee that a landlord or referencing provider will accept an application.
Sources and review
Our explanations are informed by GOV.UK private renting guidance, GOV.UK tenancy deposit protection guidance and Shelter’s private renting guidance. See our methodology and corrections policy.
Last reviewed: 19 July 2026
Renting situations and evidence
Use these practical guides if your income is not straightforward or a guarantor may be needed.
Credit, deposits and moving costs
Moving house cost calculator
Estimate deposits, first rent, overlapping rent, removals, storage, setup costs and a contingency buffer with our free Moving House Cost Calculator UK.