Enter your salary, city, and rent. Get an instant verdict on whether you're overspending — based on real housing data, not rules of thumb.
Built using official public datasets:
Used by renters in 60 cities — free, instant, no sign-up
Gross annual income in any currency. We convert using current rates.
We load local rent benchmarks and income distributions for your exact market.
See your rent-to-income ratio and where you rank vs other renters in your city.
Can your salary cover rent in the city you want to live in?
Every benchmark comes from national statistics agencies — not crowdsourcing, not estimates.
See methodology →It's a useful starting point. SpendVerdict uses four tiers: under 25% is comfortable, 25–35% manageable, 35–45% a stretch, and above 45% risky. The right number also depends on your city.
Enter your gross annual salary (before tax). Rent-to-income is calculated on gross income — the standard used by housing researchers. Your take-home will be lower.
Official national statistics: ONS (UK), Destatis (Germany), INE (Spain), INSEE (France), CBS (Netherlands), Statistics Canada, ABS (Australia), and the OECD Income Distribution Database. Every result shows a confidence rating.
£1,800/month in London and €1,800/month in Berlin are very different situations. SpendVerdict uses city-specific benchmarks so your verdict reflects the market you're in.
How much do you need to earn to cover rent comfortably? City-by-city breakdowns.
How do cities compare on rent and cost of living?