Debt-to-Income Ratio Calculator

Debt-to-Income Ratio Calculator: Include housing payments and other required debt obligations consistently. Lender criteria differ; this does not determine approval.

Your Numbers

Monthly debt payments ($)

Gross monthly income ($)

Results

Debt-to-income ratio (%)—

Input check—

Results update live as you type. Estimates only — not financial, tax, or investment advice.

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The Formula

DTI = monthly debt payments ÷ gross monthly income × 100

Understanding the Debt-to-Income Ratio Calculator

$1,800 debt payments on $6,000 gross monthly income give 30% DTI.

Include housing payments and other required debt obligations consistently. Lender criteria differ; this does not determine approval.

Frequently Asked Questions

How is this calculated?

DTI = monthly debt payments ÷ gross monthly income × 100

What assumptions apply?

Include housing payments and other required debt obligations consistently. Lender criteria differ; this does not determine approval.