28/36 Rule Calculator
Enter your monthly gross income to see the housing and total debt limits under the 28/36 rule.
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Enter your monthly income to see the limits.
Worked example
With these example inputs:
- Monthly gross income$6,000
Max housing payment: $1,680
- Max total debt payment$2,160
Frequently asked questions
What is the 28/36 rule?
It suggests spending no more than 28% of gross income on housing and 36% on all debt. On $6,000 a month, that is $1,680 for housing and $2,160 for total debt.
Is the rule a hard limit?
It is a guideline lenders often use, not a strict cutoff. Strong credit or savings may allow more, while other commitments might call for staying well below it.