{
  "slug": "rent-affordability",
  "name": "gizza-ai/rent-affordability",
  "version": "0.1.0",
  "title": "Rent Affordability Calculator — gizza.ai",
  "description": "Work out affordable rent from income using the 30% rule or a custom ratio, with debts, gross-vs-net handling, guideline ranges, and money left over.",
  "tags": [
    "rent affordability calculator",
    "how much rent can i afford",
    "30 percent rule",
    "rent to income ratio",
    "rent calculator",
    "debt to income",
    "gross vs net income",
    "monthly budget",
    "income to rent multiple",
    "guideline range"
  ],
  "category": "utilities",
  "urls": {
    "page": "https://gizza.ai/tools/rent-affordability/",
    "markdown": "https://gizza.ai/tools/rent-affordability/index.md",
    "descriptor": "https://gizza.ai/tools/rent-affordability/tool.json",
    "deep_link_example": "https://gizza.ai/tools/rent-affordability/?income=60000&income_period=annual&income_type=gross&tax_rate_percent=25&rent_to_income_ratio=30&monthly_debts=0&max_dti_ratio=36&currency=%24&decimals=2"
  },
  "cli": "gizza tool rent-affordability 'income=60000'",
  "tool": {
    "description": "Work out the maximum affordable monthly rent from an income figure using the classic 30% rule or any custom rent-to-income ratio. Pass income plus income_period (annual|monthly) and income_type (gross|net) — a net income is grossed up with tax_rate_percent. Set rent_to_income_ratio for the rule (default 30), and add monthly_debts with max_dti_ratio (default 36% back-end DTI) to pull the recommendation down when existing debts apply. Every parameter is optional with a sensible default. Returns gross_annual_income, gross_monthly_income, max_affordable_rent, debt_adjusted_max_rent, recommended_max_rent (the smaller of the two), annual_rent_at_recommended, remaining_after_rent_and_debts, income_to_rent_multiple, a 25%/30%/35% guideline_range and a plain-language summary.",
    "parameters": {
      "additionalProperties": false,
      "properties": {
        "currency": {
          "default": "$",
          "description": "Currency symbol prefixed to amounts in the summary. Default $.",
          "type": "string"
        },
        "decimals": {
          "default": 2.0,
          "description": "Decimal places for money outputs. Default 2 (range 0–10).",
          "maximum": 10,
          "minimum": 0,
          "type": "number"
        },
        "income": {
          "default": 60000.0,
          "description": "Your income amount, in your currency. Default 60000.",
          "minimum": 0,
          "type": "number"
        },
        "income_period": {
          "default": "annual",
          "description": "Whether `income` is an annual (default) or monthly figure.",
          "enum": [
            "annual",
            "monthly"
          ],
          "type": "string"
        },
        "income_type": {
          "default": "gross",
          "description": "Whether `income` is gross/pre-tax (default) or net/take-home. A net income is grossed up using tax_rate_percent before the ratio is applied.",
          "enum": [
            "gross",
            "net"
          ],
          "type": "string"
        },
        "max_dti_ratio": {
          "default": 36.0,
          "description": "Back-end debt-to-income cap (percent): rent + debts must stay under this share of gross monthly income. Default 36.",
          "maximum": 100,
          "minimum": 1,
          "type": "number"
        },
        "monthly_debts": {
          "default": 0.0,
          "description": "Existing recurring monthly debt payments (car, student loans, credit cards). Default 0.",
          "minimum": 0,
          "type": "number"
        },
        "rent_to_income_ratio": {
          "default": 30.0,
          "description": "Rent-to-income ratio as a percent — the rule. 30 is the classic 30% rule; 10–50 is the common range. Default 30.",
          "maximum": 100,
          "minimum": 1,
          "type": "number"
        },
        "tax_rate_percent": {
          "default": 25.0,
          "description": "Assumed tax + deductions rate (percent) used to gross up a net income. Only used when income_type=net. Default 25.",
          "maximum": 100,
          "minimum": 0,
          "type": "number"
        }
      },
      "type": "object"
    }
  }
}