How Much Rent Can You Afford in 2026? Income-Based Guide
Team MyKamra
30 % rule is old. 2026 adds metro hikes, 5G plans, inflation. We rebuilt the rule by salary slab – take-home, not CTC.
₹20 k Take-Home
Max rent ₹6 k (30 %) → shared PG ₹4-5 k, food ₹8 k, commute ₹1 k, fun ₹1 k, save ₹4 k. Cities: Indore, Nagpur, Lucknow.
₹30 k Take-Home
Max rent ₹9 k → 1 BHK outskirts Hyd/Pune, food ₹10 k, metro ₹1.2 k, EMI phone ₹1.5 k, save ₹7 k.
₹40 k Take-Home
Max rent ₹12 k → 1 BHK Bangalore BTM, food ₹11 k, commute ₹1.5 k, gym ₹600, save ₹14 k.
₹60 k Take-Home
Max rent ₹18 k → 1 BHK Mumbai metro line, food ₹13 k, cab ₹3 k, Netflix+pub ₹2 k, save ₹24 k.
₹1 L Take-Home
Max rent ₹30 k → 2 BHK premium Gurgaon, food ₹15 k, car EMI ₹8 k, international save ₹47 k.
New 2026 Rule
EMI + rent ≤ 50 % take-home. If you have phone/laptop EMIs, reduce rent cap accordingly.
Auto-calculate your cap on MyKamra Rent Affordability – we subtract your existing EMIs before 30 % rule.
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About Team MyKamra
Team MyKamra built the only calculator that factors EMIs, metro hikes, 5G bills before 30 % rule.
