🔑 可负担房租计算器Rent Calculator
根据收入算出能负担多少房租：30% 收入法则、房东常用的「年收入 ≥ 40 倍月租」标准，以及计入其他月债务后的 36% 债务收入比（DTI）上限，取三者中最低值作为建议上限。Find how much rent you can afford: the 30%-of-income rule, the landlord's common income-at-least-40×-the-rent test and a 36% debt-to-income limit after your other monthly debts, with the lowest of the three as the suggested maximum.
使用说明与常见问题How-to & FAQ
「可负担房租计算器」是什么？What is the Rent Calculator tool?
根据收入算出能负担多少房租：30% 收入法则、房东常用的「年收入 ≥ 40 倍月租」标准，以及计入其他月债务后的 36% 债务收入比（DTI）上限，取三者中最低值作为建议上限。Find how much rent you can afford: the 30%-of-income rule, the landlord's common income-at-least-40×-the-rent test and a 36% debt-to-income limit after your other monthly debts, with the lowest of the three as the suggested maximum.
如何使用「可负担房租计算器」？How do I use the Rent Calculator tool?
在「可负担房租计算器」中，填写「收入周期」、「收入」、「每周工作小时」、「其他月债务（车贷、学贷、信用卡最低还款等）」、「想租的房子月租（可选）」等参数，结果会随输入实时计算并显示在下方。In the Rent Calculator: Fill in "Income period", "Income", "Hours a week", "Other monthly debts (car, student loan, card minimums etc.)", "Rent of a place you are considering (optional)"; results are recalculated instantly as you type.
30% 法则是什么？What is the 30% rule?
房租不超过税前收入的 30%，是美国住房和城市发展部（HUD）衡量住房负担的常用标准：超过 30% 被视为「住房负担过重」。它只是经验法则，高房价城市的很多租客实际超过这个比例。Keeping rent at or below 30% of gross income is the common HUD affordability benchmark; above 30% counts as cost-burdened. It is a rule of thumb, and many renters in expensive cities pay more.
40 倍法则是什么？What is the 40× rule?
许多房东和物业公司要求年收入至少是月租的 40 倍（相当于房租不超过月收入的 30%）。具体倍数由房东决定，也有用 3 倍月收入的。Many landlords and property managers require yearly income of at least 40 times the monthly rent (about rent ≤ 30% of monthly income). The multiple is the landlord's choice; some ask for 3× monthly income instead.
为什么还要看债务收入比？Why include debt-to-income?
车贷、学贷等其他固定还款会挤压可用于房租的钱。这里把房租 + 其他债务控制在税前月收入的 36% 以内，这是常见的贷款审核参考线。三个结果取最低值作为建议上限。Other fixed payments like car and student loans leave less for rent. Here rent + other debts are kept within 36% of gross monthly income, a common lending guideline, and the lowest of the three results is the suggestion.
计算结果可以作为最终依据吗？Can I rely on the result?
「可负担房租计算器」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The Rent Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「可负担房租计算器」免费吗？需要注册吗？Is the Rent Calculator free? Do I need an account?
「可负担房租计算器」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The Rent Calculator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.