Debt-to-Income Calculator
Know your DTI ratio.
Enter your numbers and press Calculate.
About the Debt-to-Income Calculator
Debt-to-income ratio (DTI) is the share of gross monthly income that goes to required debt payments — housing, loans, and minimum credit-card payments. Lenders use it to gauge how much additional debt a borrower can manage.
This calculator divides total monthly debt payments by gross monthly income and expresses the result as a percentage. A lower DTI generally gives more borrowing flexibility.
How this works
DTI = monthly debt payments ÷ gross monthly income × 100
Assumptions
- Uses gross (pre-tax) income.
- Includes all recurring debt obligations.
- Lenders may calculate DTI differently.
Frequently asked questions
What DTI is considered manageable?
Many lenders prefer total DTI at or below roughly 36%, with some programs allowing higher. Requirements vary by loan type and lender.
Which payments count?
Recurring debt obligations: rent or mortgage, auto and student loans, personal loans, and minimum credit-card payments. Utilities and groceries do not count.
Gross or net income?
DTI uses gross (pre-tax) monthly income.
Related tools
This calculator provides estimates for educational purposes only and is not personalized financial advice. Rates, taxes, and financial products change — verify with providers and qualified professionals.