Calculator

How much rent can I afford?

Enter your income and any monthly commitments. You'll get a rent range that leaves room for everything else.

Your numbers

RM

Your gross salary, plus any regular allowances.

Enter your income to see your rent range.

RM
RM

Car loan, PTPTN, personal loans, credit card repayments, money you send home.

How this works

Comfortable keeps rent to 25% of income, and rent plus commitments within 40%. Typical uses 30% and 45%. Stretch uses 35% and 50%, which is doable but tight. Results are rounded down to the nearest RM50.

Your suggested rent range

Enter your income to see your rent range.

RM –

per month, from comfortable to typical

  • Comfortable–
  • Typical–
  • Stretch–
Cash to move in at the typical rent
–

Based on 2 months' security deposit, half a month's utility deposit and 1 month's advance rent, before stamp duty.

Find homes in this budget See my move-in cost

Why 30%?

Spending about 30% of gross income on rent is a common rule of thumb, and it's roughly where Malaysian landlords and agents start to feel comfortable too. Some landlords ask for a payslip and like to see rent at no more than a third of income.

But the rule is a starting point, not a law. If you have a car loan, PTPTN repayments or support family, your real comfortable number is lower. That's why this calculator also looks at your total commitments.

Ways to get more home for your budget

  • Look one area over. Similar condos just outside the most popular postcodes can cost 20–30% less.
  • Trade furniture for rent. Partly furnished units are often cheaper, and landlords may add a few items if asked.
  • Offer a longer tenancy. A 2-year agreement is worth something to a landlord, so it's a fair basis to negotiate on.
  • Be near the MRT, not in the centre. A short train ride can save both rent and parking.

This calculator gives a general guide only and isn't financial advice. Rents and landlord requirements vary.

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