Finance calculator
Debt-to-Income Ratio Calculator
Compare required monthly debt payments with gross monthly income.
Your inputs
Adjust the numbers
Use gross monthly income before taxes. Lenders define qualifying debts and acceptable DTI ranges differently.
Moderate DTI
40.8% DTI
monthly debts ÷ gross monthly income$2,450 ÷ $6,000 = 40.8%
About this tool
Understand how much income goes to debt
Debt-to-income ratio, or DTI, divides required monthly debt payments by gross monthly income before taxes and deductions. Lenders use it as one input when evaluating whether a new payment may be manageable.
This calculator also shows housing costs as a percentage of income. Definitions and acceptable ranges vary by lender and loan product, so use the output as a planning estimate rather than an approval decision.
How it works
Calculate DTI in three steps
- 1Enter gross income
Use total monthly income before taxes and payroll deductions.
- 2List required debts
Add housing, card minimums, loans, and other required payments.
- 3Review both ratios
See total DTI, housing ratio, and income remaining after listed debts.
Common questions
Debt-to-Income Ratio Calculator FAQ
Should I use gross or net income?
Standard DTI uses gross monthly income before taxes and other deductions.
Does rent count as debt?
Lender calculations can differ. This tool includes rent or mortgage as housing and in the displayed total ratio.
What is a good DTI?
There is no universal cutoff. Requirements vary by lender, product, credit profile, and other underwriting factors.
References
Sources & references
This tool is informational and is not a substitute for professional medical or financial advice. Its methodology draws on the primary sources below.