Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio, a key number lenders use to evaluate you.
Enter your numbers and select Calculate to see results.
About This Calculator
Your debt-to-income (DTI) ratio compares your monthly debt payments to your gross monthly income. Lenders use it to assess how much additional debt you can reasonably take on. This calculator computes your DTI and tells you where it falls relative to common lending thresholds.
How This Is Calculated
DTI = (Total Monthly Debt Payments ÷ Gross Monthly Income) × 100
$1,200 in monthly debts against $6,500 gross income gives a DTI of about 18.5% — well within typical lending limits.
Assumptions
- Uses gross (pre-tax) income, as lenders do, not take-home pay.
- Excludes non-debt expenses like utilities, groceries, and insurance, which lenders don't count toward DTI.
Frequently Asked Questions
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Last updated January 15, 2026. Results are estimates for informational purposes only — read our disclaimer.