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Debt-to-Income Ratio Calculator

Estimate your monthly debt-to-income ratio (DTI). Enter gross monthly income, monthly housing costs, and other debt payments to compare the housing ratio with total monthly debt. This is a math estimate, not a loan decision.

Other monthly debt payments

Use the same currency and monthly period for every amount. Enter gross income before tax.

Example: $5,000 gross monthly income and $2,000 in total monthly debt gives a 40% total DTI.

This estimate does not determine approval or a safe borrowing amount. Lenders and rules differ; check the requirements that apply to you.

Your entries stay in this browser tab. They are not uploaded or automatically saved.

How do you calculate a debt-to-income ratio?

Divide monthly debt payments by gross monthly income, then multiply by 100. The housing ratio uses housing costs; total DTI adds the other monthly debt payments.

Frequently asked questions

How do you calculate a debt-to-income ratio?

Divide monthly debt payments by gross monthly income, then multiply by 100. The housing ratio uses housing costs; total DTI adds the other monthly debt payments.

Does this DTI calculator send my financial details?

No. The calculator works in this browser tab and does not upload or automatically save your entries.

What is the difference between front-end and total DTI?

The housing ratio compares monthly housing costs with gross monthly income. Total DTI compares housing plus other monthly debt payments with gross monthly income.

Does a DTI result guarantee mortgage approval?

No. This is arithmetic only. A lender may use different rules and review many other details.

Should I enter net or gross income?

This tool uses gross monthly income before tax. Make sure all payments and income use the same currency and monthly period.