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Finance

Debt-to-Income Calculator

Express monthly debt payments as a percentage of monthly gross income.

Amounts stay on this deviceMethod and assumptions below

Your financial inputs

Runs on your device

YOUR FINANCIAL SUMMARY

Your result

Let’s calculate.

Use the Calculate button to see your result.

Estimate based on your inputs and the stated assumptions.

How to use this tool

  1. Enter monthly debt payments, monthly gross income.
  2. Select Calculate to view the result.
  3. Check the method and assumptions below before using the result.

The method, explained

Debt-to-income ratio = monthly debt payments ÷ monthly gross income × 100.

A WORKED EXAMPLE

Monthly debt payments of 1,500 with gross income of 5,000 give a DTI of 30%.

What to keep in mind

Enter recurring payments rather than outstanding debt balances. Lenders may include different obligations and income sources; this tool does not determine eligibility.

Common questions

Should I use take-home income?

This calculation uses gross income before deductions. A take-home budget ratio is a different measure.

Does a particular DTI guarantee approval?

No. Underwriting also depends on lender rules and other financial information.

Methodology maintained by ClarityKit. How these tools are built and checked.