Debt-to-Income Ratio Calculator
Calculate your monthly debt-to-income ratio using gross income and recurring debt payments.
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Your result
Debt-to-income ratio
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Total monthly debt payments
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Income remaining before non-debt expenses
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Enter your assumptions to see a short result summary.
How it works
- Debt-to-income ratio compares recurring monthly debt obligations with gross monthly income.
- This calculator includes the debt-payment categories you enter and does not automatically classify non-debt living expenses.
- Acceptable DTI levels vary by lender, credit product, underwriting method, and jurisdiction.
DTI Ratio = Total Monthly Debt Payments / Gross Monthly Income × 100
Frequently asked questions
What is a debt-to-income ratio?
DTI is the percentage of gross monthly income used for recurring debt payments.
What is a good DTI ratio?
There is no universal threshold. Lending standards vary by lender, product, borrower profile, and jurisdiction.
Should ordinary living expenses be included?
Not usually in the DTI formula itself. This calculator focuses on recurring debt obligations.
Disclaimer
This calculator provides a simplified ratio for general informational purposes only. Actual lending decisions can use different income definitions, debt categories, underwriting rules, and jurisdiction-specific standards.