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Debt-to-Income (DTI) Calculator

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$
ResultUpdates as you type
Debt-to-income ratio30%
Monthly debt$1,500.00
Income after debt$3,500.00
Debt vs remaining income
  • Monthly debt30.0%
  • Income after debt70.0%

Calculate your debt-to-income ratio from monthly debt payments and gross income. Instant DTI result.

Your debt-to-income (DTI) ratio compares your monthly debt payments to your gross monthly income. Lenders use it to gauge how comfortably you can take on a mortgage or loan.

A debt-to-income (DTI) calculator shows what share of your gross monthly income already goes to debt payments. Enter your total monthly debt and your gross monthly income, and it returns your DTI ratio as a percentage along with the income left over.

Lenders lean on DTI when deciding whether to approve a mortgage or loan. A ratio of 36% or below is widely seen as healthy, many programs stretch to 43%, and higher ratios make approval harder. Lowering debt or raising income both nudge the ratio in your favour.

How to use

  1. Add up your monthly debt payments (loans, cards, mortgage).
  2. Enter your gross monthly income before tax.
  3. Read your DTI ratio below.

Formula

DTI expresses your monthly debt as a percentage of your gross monthly income.

DTI ratioDTI % = Monthly debt / Gross monthly income × 100

Worked examples

$1,500 debt, $5,000 income

$1,500 of monthly debt against $5,000 of gross income is a 30% DTI ratio — comfortably within most lenders' limits.

Frequently asked questions

What is a good debt-to-income ratio?

Lenders generally view 36% or below as healthy. Many mortgage programs allow up to 43%, and above that borrowing becomes harder.

Should I use gross or net income?

DTI uses gross income — your income before taxes and deductions — because that is the figure most lenders underwrite against.

Which debts should I include?

Include recurring debt like mortgage or rent, car loans, student loans, personal loans and minimum credit-card payments. Everyday bills such as utilities are usually excluded.

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