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 44 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.
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.