Can I afford to move out?
The real monthly cost of living on your own.
Moving out fails when the rent fits but everything else does not. Add rent, utilities, food, transport, internet and debts to your income, and this tool tells you if you are ready, almost ready, or still a few months of saving away — with the exact numbers.
Your future budget
Before you move
Verdict
Ready to move out
Almost — tighten one thing
Not financially ready yet
Monthly cost
Left over
% of income
Housing plus basics stay under 50% of your income, you keep at least 20% free, and your savings cover the deposit and first bills. Solid. You are close. The blocker is usually one of: housing eats more than 50% of income, the monthly margin is under 10%, or the startup cash is not fully saved. Monthly costs exceed a safe share of income, or the startup cash (deposit, furniture, first bills) is not covered. Rule of thumb: keep housing under 30% and total basics under 50% of income.
Budgets are for planning, not a verdict on your life — a shared apartment, a cheaper neighborhood or a side income changes the math fast.
Frequently asked questions
What rule of thumb does the calculator use?
Housing should stay around 30% of income, and all basics (rent, utilities, food, transport, internet, debts) under 50% — leaving at least 20% free. Your savings must also cover the deposit, furniture and first bills before you sign anything.
I meet the numbers but it still feels tight. What then?
Trust the feeling: run the calculator with your real past three months of spending, add a 10% buffer, and consider a roommate or a cheaper neighborhood. Moving out is cheaper to delay by a few months than to reverse.
More tools
Planning aid only. This tool gives general estimates and standard procedures — not legal, financial or medical advice. In a life-threatening situation, call your local emergency number first. Always verify country-specific rules with official sources.