Rent Affordability Calculator
How much rent is actually safe
₹60,000
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Max safe monthly rent
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By rule alone (30%)
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After EMIs & essentials
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Security deposit (3-10 mo)
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Move-in cash needed
The 30/10/60 sanity rule
Rent ≤ 30% of take-home · EMIs ≤ 10% · Essentials ≤ 60% combined. Exceed any of those three and you're one surprise expense away from credit-card debt.
Related tools
Indian rental realities
- Bengaluru / Mumbai: typical 2BHK ₹25-45K/month — singles often split with flatmates
- Pune / Hyderabad: 2BHK ₹18-30K — quality of life per rupee is best here in 2026
- Security deposits: 6-10 months in Bengaluru, 2-3 in most other metros
- Hidden costs: broker fee ~1 month, move-in furniture ₹30-80K, society transfer ₹5-15K
Rule of thumb: if your rent would exceed 35% after accounting for EMIs and essentials, you can't actually afford it no matter what the listing site says.