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How much rent to charge 18 year old?

413 replies

TakeALookAtTheseSwatches · 13/02/2026 13:54

My daughter left college last year and started looking for a job, she started working just after Christmas. She works part time hours and her take home pay per month is around £900. She's putting £50 in to a lifetime ISA and she has no other bills (I currently still pay her phone contract which is about £30 a month)

We provide all her food, she eats tea with us and we have breakfast things/snacks in the house. She doesn't usually eat dinner but will sometimes buy herself a meal deal if she wants something.

So what would be reasonable? I was thinking around £200 a month and I'm happy to put £50 of that in her lifetime ISA too if she wants. She is saving up for a car so isn't spending frivolously. Is £200 too much?

OP posts:
BudgetBuster · 15/02/2026 10:14

TakeALookAtTheseSwatches · 15/02/2026 10:07

Thanks all, I've discussed with my daughter and husband and she's going to put the max amount allowed in to the lifetime ISA (which works out at just over £300 per month) she'll then save however much she likes for a car on top of that. She'll be taking over her phone bill. She's very happy with that as she's keen to buy her own house as soon as she can and will be able to do that in around 5 years with that rate of saving (hopefully she'll be able to go full time within the next couple of years)

She's also not one for buying much, she has absolutely no interest in expensive clothes or shoes, I had to practically force her to get new trainers after about 3 years because hers were falling apart 😂, she goes for a night out maybe twice a month but that's about it. I think she'll use most of her money to afford a car (she's already passed her driving test)

Sounds like you've raised a great kid!
Great plan for her.

Corinthiana · 15/02/2026 10:11

TakeALookAtTheseSwatches · 15/02/2026 10:07

Thanks all, I've discussed with my daughter and husband and she's going to put the max amount allowed in to the lifetime ISA (which works out at just over £300 per month) she'll then save however much she likes for a car on top of that. She'll be taking over her phone bill. She's very happy with that as she's keen to buy her own house as soon as she can and will be able to do that in around 5 years with that rate of saving (hopefully she'll be able to go full time within the next couple of years)

She's also not one for buying much, she has absolutely no interest in expensive clothes or shoes, I had to practically force her to get new trainers after about 3 years because hers were falling apart 😂, she goes for a night out maybe twice a month but that's about it. I think she'll use most of her money to afford a car (she's already passed her driving test)

That sounds like a good plan 👍

Corinthiana · 15/02/2026 10:10

Statsquestion2 · 15/02/2026 10:08

My dc are 10 and 13 and they already know this is what happens…do most people wait until their dc are earning to enlighten them with this fact of life?

I can only imagine that's what's happening. Mine went to uni many miles away at 18, if we'd waited until then, it would have been a problem!

Statsquestion2 · 15/02/2026 10:08

Cosyblankets · 15/02/2026 09:46

Because it's a parent's job to teach them life skills.
Letting them think it's normal to keep every penny of their wage is irresponsible

My dc are 10 and 13 and they already know this is what happens…do most people wait until their dc are earning to enlighten them with this fact of life?

TakeALookAtTheseSwatches · 15/02/2026 10:07

Thanks all, I've discussed with my daughter and husband and she's going to put the max amount allowed in to the lifetime ISA (which works out at just over £300 per month) she'll then save however much she likes for a car on top of that. She'll be taking over her phone bill. She's very happy with that as she's keen to buy her own house as soon as she can and will be able to do that in around 5 years with that rate of saving (hopefully she'll be able to go full time within the next couple of years)

She's also not one for buying much, she has absolutely no interest in expensive clothes or shoes, I had to practically force her to get new trainers after about 3 years because hers were falling apart 😂, she goes for a night out maybe twice a month but that's about it. I think she'll use most of her money to afford a car (she's already passed her driving test)

OP posts:
GerryPix · 15/02/2026 10:02

The phone bill should be hers to pay.
I presume clothing, make-up, deodorant, etc.. she pays for
I'd firstly ask her if she wants particular foods its up to her to buy or pay further

Chipsahoy · 15/02/2026 10:02

I have an 18 year old but different because he’s still in school. He works ten hours a week.
He pays for his driving lessons and he pays for his phone and any extras he wants with clothes and food. He also pays for his gym membership.
Travel is free on buses in Scotland so he either takes the bus or he has to pay for his own train tickets into the city.

I buy all the basics including all meals.
If he were working I wouldn’t charge rent but I would very strongly encourage that he put the majority of his pay into savings so he could use towards the deposit of a house or travelling or whatever.

Corinthiana · 15/02/2026 09:58

I doubt very much whether the average 18 year old believes that every penny of a wage is spending money. If that's the case, there's definitely been a parenting fail somewhere along the line.
Mine knew about tax, insurance and bills etc long before that!

Cosyblankets · 15/02/2026 09:46

Men0pauze · 13/02/2026 14:01

Just wondering why would you charge your daughter rent? Is money in the home tight?

Because it's a parent's job to teach them life skills.
Letting them think it's normal to keep every penny of their wage is irresponsible

AnneShirleyBlythe · 15/02/2026 09:42

TheSmallAssassin · 13/02/2026 14:40

Another reason for charging board is to take the opportunity to put some more money into your pension, most people could do with investing more, and if you are old enough to have adult kids it's going to come sooner than you think!

So many people on here seem to think we should keep on putting ourselves last for the rest of our lives by dint of deciding to have children, even if we have done our bit and successfully launched them!

Totally agree! I take a token amount from my 3 totalling £400 pm. I have used this to up my pension contributions. DC are u u by still able to save, run cars & have a social life. Why should I subsidise them to have £100s of £ spending money to squander while facing a bleak retirement.

teamaven · 15/02/2026 09:11

This reply has been deleted

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If you see your young adult child as a ‘contribution’ then you are the problem.

Windywuss · 15/02/2026 08:36

MN is so privileged. When my child turns 18, I lose around £350 a month from exh and child benefit. I will certainly feel that and I would not call myself in poverty. I'm just a single parent so one income these days does seem to mean 'poor' to other people.

I hope ds will go to university but really don't think he'll be ready at 18. I imagine we might have some time while he works a bit instead.

I think what you propose is reasonable @TakeALookAtTheseSwatches .

Thechaseison71 · 15/02/2026 08:22

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GrethaGreen · 15/02/2026 08:22

berlinbaby2025 · 15/02/2026 08:09

Adult children.

We are not talking 40 year olds though, are we?

Wordsmithery · 15/02/2026 08:20

MifsBr0wn · 13/02/2026 14:18

Zero. I don’t need the money nor do I want to “charge” my daughters for living in their own home. They have enough to deal with.

That's pretty harsh on those of us who HAD to "charge" because we simply couldn't afford to support another adult.

berlinbaby2025 · 15/02/2026 08:09

GrethaGreen · 15/02/2026 08:08

“The world owes them nothing”.
”Freeloading”

Gosh so depressing to read. I can’t imagine thinking your children are freeloading in their own home.

Adult children.

GrethaGreen · 15/02/2026 08:08

berlinbaby2025 · 15/02/2026 07:46

I think what you’re planning is perfect.

Don’t let her freeload, it’ll probably bite you on the bum further down the line. Adults need to learn the world owes them nothing.

And the ‘point’ others made about you’d have to contribute to her uni costs if she were to have gone is irrelevant since most 18/19!year olds in the UK don’t go to university, anyway. I guess the ‘point’ helps some parents feel better about mollycoddling their little darlings.

“The world owes them nothing”.
”Freeloading”

Gosh so depressing to read. I can’t imagine thinking your children are freeloading in their own home.

berlinbaby2025 · 15/02/2026 07:46

I think what you’re planning is perfect.

Don’t let her freeload, it’ll probably bite you on the bum further down the line. Adults need to learn the world owes them nothing.

And the ‘point’ others made about you’d have to contribute to her uni costs if she were to have gone is irrelevant since most 18/19!year olds in the UK don’t go to university, anyway. I guess the ‘point’ helps some parents feel better about mollycoddling their little darlings.

GrethaGreen · 15/02/2026 07:36

SunMoonandChocolate · 15/02/2026 01:44

I can't believe all these people saying that you shouldn't charge her anything OP, no wonder we have a nation of youngsters who behave in such an entitled manner. Our kids need to learn to look after themselves, and our job is to teach them how. Which means that as soon as they start earning, they start paying a REALISTIC contribution to their living expenses. The first thing I would do is stop paying for her phone OP. As far as how much, I used to hand over a third of my earnings each month. It doesn't matter whether the OP needs the money or not, the point is to teach our kids that they have to expect to pay bills, before having 'fun' money. If the OP can afford it, then I'd highly recommend putting some or all of what she charges into a savings account, but DO NOT tell your DD that that's what you're doing, let her believe that you are spending it on her food, her share of heating, water, lighting, etc. as this is what she will have to do when she does leave home. What's the point of allowing them to earn a pretty good sum of money each month, and letting them just blow it on whatever they fancy? What does that teach them? I'll tell you, it teaches them nothing, and gives them a false expectation of what they'll have to spend when they do leave home.

I don’t think you have read all the responses. I don’t know what the young people you know are like, but my young people are capable of saving for their own home and are not blowing their money as you put it.

SunMoonandChocolate · 15/02/2026 01:44

I can't believe all these people saying that you shouldn't charge her anything OP, no wonder we have a nation of youngsters who behave in such an entitled manner. Our kids need to learn to look after themselves, and our job is to teach them how. Which means that as soon as they start earning, they start paying a REALISTIC contribution to their living expenses. The first thing I would do is stop paying for her phone OP. As far as how much, I used to hand over a third of my earnings each month. It doesn't matter whether the OP needs the money or not, the point is to teach our kids that they have to expect to pay bills, before having 'fun' money. If the OP can afford it, then I'd highly recommend putting some or all of what she charges into a savings account, but DO NOT tell your DD that that's what you're doing, let her believe that you are spending it on her food, her share of heating, water, lighting, etc. as this is what she will have to do when she does leave home. What's the point of allowing them to earn a pretty good sum of money each month, and letting them just blow it on whatever they fancy? What does that teach them? I'll tell you, it teaches them nothing, and gives them a false expectation of what they'll have to spend when they do leave home.

teamaven · 15/02/2026 01:05

Also, being 18 is literally the most perfect time to make silly purchases (to an extent) and buy what you want! Let her have a break. I started saving for a house around 21 y/o and at 26 still have purchases I made when I was 18 (designer shoes etc) that I could never have bought now that I have my own house, children and other financial responsibilities.

teamaven · 15/02/2026 01:01

Take £200 and put it in savings for her when she eventually buys a house/moves out, or wants to buy a big purchase/travelling etc.

I understand charging a 30 year old who has a full time job rent, not an 18 year old with a part time job who in this economy basically has no way of moving out.

Barnsleybonuz · 14/02/2026 23:02

Luckyingame · 14/02/2026 15:50

Funny.
My parents never charged me anything.
Gentle reminder: You imposed this life on her, she didn't ask to be born and trapped with you.

What a ridiculous comment. Nobody chooses to be born

Corinthiana · 14/02/2026 22:46

Statsquestion2 · 14/02/2026 22:00

Yes 🙌 I say this every time! Someone says oh it’s teaching them how to live in the real world…well,I’ve never had a landlord turn around and give me back the money I gave them! 🤣

Indeed. Not much of a "life skill"!

Statsquestion2 · 14/02/2026 22:00

Sarah2891 · 14/02/2026 19:49

Agreed. It certainly doesn't 'teach' them anything either. In real life you don't get that money back.

Yes 🙌 I say this every time! Someone says oh it’s teaching them how to live in the real world…well,I’ve never had a landlord turn around and give me back the money I gave them! 🤣