Apartment Budget Calculator

Apartment Budget Calculator helps renters evaluate real affordability beyond rent alone. It analyzes income, living expenses, move-in costs, savings impact, and long-term cash flow to reveal whether an apartment fits a sustainable lifestyle without financial stress.

🏙️ Income Profile
Income Type Used for Approval
Food, Fun, Subscriptions (Non-Rent)
🏢 Target Apartment
Use 0 if no fee. 10-15% common in cities.
Security Deposit (Months)
Hidden Monthly Costs
Verdict
—
Lifestyle Left
$0
Move-In
$0
Affordability Verdict
ANALYZING…
Rent is X% of Net Income
Lifestyle Left
$0
Disposable income
True Monthly Cost
$0
Rent + Utilities + Commute
Move-In Cash Wall
$0
Check you write Day 1
Savings Impact
0%
Of liquid savings gone
🧠 Decision Clarity
Can I still save?
$0
Leftover cash
Rent Shock Meter
0% of Income
Move-In Stress
Low
Cash drain impact
Lifestyle Downgrade
No Change
Spending adjustment
💸 Cash Flow Reality
Total Cash Outflow (90 days)
$0
Includes upfront & rent
Annual Housing Cost
$0
Rent + fees + commute
Non-Rent Living Load %
0%
Non-rent expenses
Eff. vs Adv. Rent
Advertised: $0
$0 True
🏠 Apartment Intel
Max Safe Rent
$0
30% Rule Ceiling
Negotiation Power
Weak
Based on savings/income
Guarantor?
Likely No
40x Rent Rule
Upgrade Path
Need +$0/mo for Safe
🛑 Risk Analysis
Ramen Index
Low
Groceries & essentials only
Emergency Collapse
0 Mo
Runway if income stops
Debt Pressure
OK
Debt-to-Income ratio
Savings Recovery
—
Months to rebuild fund
🎯 Final Verdict
Recommended Action
Proceed
Apartment Fit Score
0 / 100
Composite rating
📏 Benchmarks
30% Rule (Net Income)
—
50/30/20 Fit
—
Show Charts & Breakdown ▼
Upfront Cash Breakdown
First Month Rent$0
Security Deposit$0
Broker Fee$0
Moving & Misc$0
Total Upfront$0
Monthly Recurring
Base Rent$0
Utilities & Park$0
Effective Rent (True)$0

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