40 · Calculators

Debt-to-Income Ratio Calculator

Add up your monthly debt payments and enter your income before tax to see the ratio lenders use to judge affordability.

Rent or mortgage, car loans, minimum card payments, student loans…

Before tax.

Debt-to-income ratio

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How to use the debt-to-income ratio calculator

  1. Add up all monthly debt payments, including rent or mortgage.
  2. Enter your gross (pre-tax) monthly income.
  3. Read your DTI ratio and how it compares.

What lenders look for

DTI is monthly debt payments divided by gross monthly income. Many lenders like to see 36% or less, and 43% is a common maximum for US qualified mortgages. Rules vary by lender and country, so treat these as guides.

Examples

1,800 in debts, 6,000 income

30% · within the 36% guide

2,900 in debts, 6,000 income

48.3% · high for most lenders

Questions

What counts as debt?

Regular required payments: housing, car loans, student loans, minimum card payments, child support. Groceries and utilities usually don’t count.

Is this a credit check?

No. It only uses the numbers you type, and nothing leaves your browser.