How to use the Debt-to-Income Ratio Calculator
Enter the payment and income and the result appears straight away. Everything runs in your browser, so nothing you type is uploaded.
The formula
DTI = monthly debt payments ÷ gross monthly income × 100.
Examples
- 1,850 debt on 6,200 income
Debt-to-income ratio: 29.84%
- 900 debt on 4,500 income
Debt-to-income ratio: 20%
- 2,600 debt on 5,000 income
Debt-to-income ratio: 52%
Limitations and assumptions
Review inputs, units and assumptions before relying on the result. Detailed content, accessibility and edge-case review remains ongoing.
Frequently asked questions
How is DTI calculated?
Monthly debt payments ÷ gross monthly income × 100.
What is a good DTI?
Many lenders prefer 36% or lower, and some mortgage programs allow up to the low 40s or higher.
Which debts count?
Mortgage or rent, car loans, student loans, minimum card payments and other recurring debt. Utilities and groceries do not.
Gross or net income?
Gross, before tax.