FREE CALCULATOR
Debt-to-Income Ratio Calculator
Calculate your monthly debt-to-income ratio from gross income and recurring debt payments.
DTI ratio43.3%
Monthly debt$2600.00
Income after debt$3400.00
Lenders can calculate DTI differently and may include or exclude certain obligations. Use this as a budgeting estimate.
CALCULATOR GUIDE
About the Debt-to-Income Ratio Calculator
Calculate monthly qualifying debt payments as a percentage of gross monthly income.
How to use this calculator
- Enter the values requested by the calculator and check their units.
- Choose assumptions that match the scenario you want to estimate.
- Review the result and change one input at a time to compare scenarios.
- Verify important decisions against the relevant agreement, institution or official guidance.
How the calculation works
DTI = qualifying monthly debt payments ÷ gross monthly income × 100.
Example
If monthly debts are $1,200 and gross monthly income is $6,000, DTI is 20%.
Things to keep in mind
- Use gross income for the common lender-style ratio and check the lender's debt definitions.
- Lenders also consider credit, assets, income stability and product-specific rules.
- The result is an estimate based on the inputs and assumptions provided.
- Check applicable terms and official guidance before making financial, employment or academic decisions.
Frequently asked questions
What counts as monthly debt?
Common examples include minimum credit-card payments, auto loans, student loans and other required loan payments.
Are results guaranteed or official?
No. The tool provides an estimate or arithmetic result and may not include every real-world rule, fee or policy.
Can I compare scenarios?
Yes. Change one input at a time to see how it affects the result.