Affordable Rent Calculator (Rent Budget from Income)
Estimate a comfortable rent budget from your monthly take-home pay or gross annual salary. See the rent cap, annual rent, and money left over at 20, 25, 30, and 33% of income, plus typical move-in costs.
Input
Choose your monthly take-home pay (or gross annual salary) and a target ratio to estimate a comfortable rent and typical move-in costs.
Enter your monthly take-home pay in units of 10,000 yen.
Rent as a share of take-home pay. 25 to 30 percent is a common guideline.
Result
Affordable rent at 30% of income
75,000yen
About 82,500 yen including building fees
Monthly rent
75,000 yen
Annual rent
900,000 yen
Left over monthly
175,000 yen
Rent by income ratio
Breakdown by ratio
| Ratio | Rent / month | With fees | Left over |
|---|---|---|---|
| 20% | 50,000 yen | 55,000 yen | 200,000 yen |
| 25% | 62,500 yen | 68,750 yen | 187,500 yen |
| 30% | 75,000 yen | 82,500 yen | 175,000 yen |
| 33% | 82,500 yen | 90,750 yen | 167,500 yen |
Estimated move-in cost
| Deposit (1 month) | 82,500 yen |
| Key money (1 month) | 82,500 yen |
| Agency fee (1 month plus tax) | 90,750 yen |
| First month rent | 82,500 yen |
| Total move-in cost | 338,250 yen |
Move-in cost is estimated from the rent including fees and varies by property and contract.
How it works
- A common guideline is to keep rent around 25 to 30 percent of your monthly take-home pay. This tool is based on that rule of thumb and gives an estimate only.
- When you enter a gross annual salary, take-home pay is roughly estimated as about 78 percent of the gross figure divided by 12, as a combined allowance for social insurance and taxes. Verify your actual take-home pay separately.
- The figure including building fees adds about 10 percent on top of the base rent. Actual management or common-area fees vary by property.
- The move-in cost estimate assumes a deposit of one month, key money of one month, an agency fee of one month plus 10 percent consumption tax, and one month of rent in advance. Actual costs vary widely by property, area, and contract terms.
- All amounts are estimates in Japanese yen. The right rent for you depends on household size, fixed costs, and savings goals, so make the final decision yourself.
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Affordable Rent Calculator (Rent Budget from Income)