Debt-to-Income Ratio Calculator
Use gross income and contractual debt obligations from the same monthly period.
Your result
FINANCIALEnter your values and select calculate.
On this page How it works & practical examples
How to use the Debt-to-Income Ratio Calculator
Use gross income and contractual debt obligations from the same monthly period. Separate housing debt for a front-end ratio alongside total debt.
The calculation
Worked example
$2,000 monthly debt and $6,000 gross income give total DTI 33.3333%; the $1,500 housing share is 25%.
Assumptions and limits
No lending threshold or approval is inferred. Living expenses, net pay, credit history and future income uncertainty are not assessed.
Common questions
Which inputs should I use?
Use gross income and contractual debt obligations from the same monthly period. Separate housing debt for a front-end ratio alongside total debt.
What does the result exclude?
No lending threshold or approval is inferred. Living expenses, net pay, credit history and future income uncertainty are not assessed.