Debt-to-Income Ratio Calculator
Use this tool to work out your debt-to-income ratio from your gross monthly income and your monthly debt payments. It shows the share of your income committed to debt ahead of taxes and other deductions.
Enter your numbers and press Calculate. Nothing you type leaves your browser.
How this calculator works
Debt-to-income ratio, or DTI, measures monthly debt payments against gross monthly income. Lenders use it to gauge whether another payment will fit.
DTI = (housing payment + other monthly debt payments) / gross monthly income * 100.
- Front-end ratio: housing payment / income * 100.
- Back-end ratio: all debt payments / income * 100.
Gross income is the amount earned before tax and deductions. With income at zero the ratio is undefined, so the tool returns nothing.
Thresholds differ from lender to lender, so ask the lender what it wants rather than assuming one cutoff.
Common questions
What belongs in monthly debt?
Count recurring commitments: rent or a mortgage, auto and student loans, personal loans, and minimum card payments.
Gross or net income?
Gross income — the amount earned before tax and other deductions. Most lenders set debt against gross income.
What ratio do lenders want?
It varies by lender and loan program, and credit and savings matter too. Find out what the lender requires.
Is a low ratio enough to secure approval?
No. Lenders also look at credit history, income stability and the loan size. The ratio is only one of several inputs.