Question 1

Is the 30% rule always right?

Accepted Answer

It's a guideline. Pair it with a DTI check and your actual recurring costs for a better fit.

Question 2

Should I budget utilities as a % or $ amount?

Accepted Answer

This simplified version uses dollar amounts. Enter your estimated monthly utility costs.

Question 3

What's the difference between Rent-only and All-in?

Accepted Answer

Rent-only applies the 30% and DTI rules to rent alone. All-in includes utilities and other costs in the calculation, giving you a lower max rent but accounting for total housing expenses.

Question 4

Does this guarantee I'll qualify for an apartment?

Accepted Answer

No—landlords may apply different income multiples or screening criteria. Use this as a planning tool.

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