Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio and see how lenders view it.
Runs 100% in your browser — nothing is uploaded.
Result
Formula
DTI = monthly debts ÷ gross monthly income × 100
About this calculator
The Debt-to-Income Ratio Calculator helps you quickly determine your debt-to-income (DTI) ratio—the percentage of your gross monthly income that goes toward debt payments. Lenders use DTI to assess your ability to manage monthly payments and repay borrowed money. This tool gives you an instant snapshot of your financial health and how len
How to use
- 1
Enter your gross monthly income (before taxes) in the 'Gross monthly income' field.
- 2
Enter your total monthly debt payments (e.g., loans, credit cards) in the 'Total monthly debts' field.
- 3
Click Calculate to see your debt-to-income ratio and its assessment.
Frequently asked questions
What is a good debt-to-income ratio?
A DTI of 36% or less is generally considered healthy. Ratios between 37% and 43% are borderline, and above 43% is high. However, some lenders may accept higher ratios for certain loan programs.
What debts are included in total monthly debts?
Total monthly debts typically include mortgage or rent payments, car loans, student loans, credit card minimum payments, personal loans, and other recurring debt obligations. It does not include utilities, groceries, or other living expenses.
Should I use gross or net income?
Lenders usually use gross monthly income (before taxes and deductions) when calculating DTI. This calculator uses gross income to align with standard lending practices.
Please note: Results are estimates for general information only and are not professional or medical/financial advice.