Debt-to-Income Ratio Calculator
Fill in the values and the answer updates as you type.
How the Debt-to-Income Ratio Calculator works
DTI = monthly debt payments ÷ gross monthly income × 100. Include rent or mortgage, car loans, student loans, and minimum card payments. Many lenders prefer a DTI under about 36%, and 43% is a common upper limit for mortgages.
Inputs and results
The Debt-to-Income Ratio Calculator takes 2 inputs and gives 3 results.
What you enter
- Total monthly debt payments ($) — starts at 1800.
- Gross monthly income ($) — starts at 6000.
What you get
- Debt-to-income ratio
- Rating
- Income left after debt
Example: Debt-to-Income Ratio Calculator with the starting values
With total monthly debt payments 1800 $ and gross monthly income 6000 $, the calculator returns:
| Debt-to-income ratio | 30% |
|---|---|
| Rating | Healthy (36% or less) |
| Income left after debt | $4,200 |
Change any value above and the results update straight away.
Debt-to-Income Ratio Calculator FAQ
How do I use the Debt-to-Income Ratio Calculator?
Enter total monthly debt payments and gross monthly income in the fields, then read debt-to-income ratio, rating and income left after debt in the result panel. The answer updates as you type, and you can press Calculate or Enter to refresh it. Use “Copy link” to share your exact numbers with someone else.
What does the Debt-to-Income Ratio Calculator calculate?
See what share of your income goes to debt each month. It returns debt-to-income ratio, rating and income left after debt from the 2 values you provide.
What values does the Debt-to-Income Ratio Calculator start with?
It opens with total monthly debt payments 1800 $ and gross monthly income 6000 $ so you can see a working result straight away. Replace them with your own numbers, or press Reset to return to these starting values.
Is the Debt-to-Income Ratio Calculator free and private?
Yes. It is free, needs no account, and runs in your browser, so nothing you type is sent to or stored on our servers. See the Privacy Policy for details.
Can I rely on the Debt-to-Income Ratio Calculator for financial decisions?
Treat the result as a well-rounded estimate. Real situations often have details a general calculator cannot know, so confirm financial decisions with a qualified professional. See the Disclaimer for more.