Debt-to-Income Ratio Calculator
The debt-to-income (DTI) ratio compares total monthly debt payments to monthly income. It is a common measure lenders use to assess affordability. This calculator shows your DTI and a simple status, but does not decide loan eligibility.
How this tool helps
Enter monthly gross income and all debt payments to see your debt-to-income ratio and status.
Calculator data status
This page currently uses manual calculator fields. Official country-specific payroll rates have not been fully added yet.
Official sources: 0 / 6 categories
Estimate only. This calculator uses the values and rates shown on this page. Tax, pension, health insurance, social security, unemployment and employer contribution rules differ by country and may change over time. Always verify important calculations with official government sources or a qualified payroll, tax or accounting professional.
Try the Debt-to-Income Ratio Calculator
Enter monthly gross income and all debt payments to see your debt-to-income ratio and status.
Result
Fill the form and press calculate to see an estimate.
Assumptions used
Review the inputs and limits behind this planning estimate.
How to use this calculator
The debt-to-income (DTI) ratio compares total monthly debt payments to monthly income. It is a common measure lenders use to assess affordability. This calculator shows your DTI and a simple status, but does not decide loan eligibility.
Enter your values, then review the result to see what each number means in your planning context.
The calculator is a planning aid only, not a substitute for official financial or tax guidance.
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What is debt-to-income ratio?
DTI is the percentage of monthly income used to pay debts. A lower DTI means more income is available for living costs and savings. Many lenders prefer DTI below 35–43%.
Should I use gross or net income?
DTI is traditionally calculated using gross income, as lenders typically use gross figures. The calculator shows both if net income is entered.
Should rent be included?
This depends on the definition used. For mortgage affordability, housing costs are typically included in a front-end DTI calculation. Enter rent if you want a total housing and debt picture.
Does this decide loan approval?
No. This calculator is for planning only. Banks and lenders use additional criteria when assessing loan applications.
Is this financial advice?
No. This calculator does not decide loan eligibility and is not credit, mortgage or financial advice.