Debt-to-Income Ratio Calculator
Calculate your debt-to-income (DTI) ratio — the share of gross monthly income that goes to debt payments.
Debt-to-income ratio
36.43%
- Front-end ratio (housing only)
- 25.71%
- Total monthly debt
- 2,550.00
Between 36% and 43% — many lenders still approve, but 43% is a common ceiling for qualified mortgages.
Show the work
Total monthly debt
housing + car + student + cards + other
1,800.00 + 400.00 + 250.00 + 100.00 + 0.00 = 2,550.00
Debt-to-income ratio
DTI = debt ÷ income × 100
2,550.00 ÷ 7,000.00 × 100 = 36.43%
Estimates for general information only — not financial advice.
How it works
DTI = total monthly debt payments ÷ gross monthly income × 100; front-end ratio uses housing costs only
Questions
- How does the debt-to-income ratio calculator work?
- DTI = total monthly debt payments ÷ gross monthly income × 100; front-end ratio uses housing costs only.
- What do I need to enter?
- Gross monthly income, Rent or mortgage payment, Car loans, Student loans, Credit card minimums, Other debt payments. Optional fields can be left blank.
Related tools
- Loan-to-Value (LTV) CalculatorFind the loan-to-value ratio of a mortgage, and the combined LTV when there is a second loan.
- Break-Even CalculatorFind how many units you need to sell to cover your fixed costs, and the sales revenue at that point.
- Payback Period CalculatorFind how long an investment takes to pay for itself, with or without discounting future cash flows.
- Profit Margin CalculatorCalculate gross, operating and net profit margins from revenue and costs.
- Commission CalculatorWork out a sales commission from the sale amount and rate, plus total pay with a base salary.
- Dividend Yield CalculatorFind a stock's dividend yield from its dividend and share price, and your yearly dividend income.
Want this on your site? Embed the debt-to-income ratio calculator.