Debt-to-Income (DTI) Ratio Calculator
Work out your debt-to-income ratio — the share of your gross monthly income that goes to debt payments — a figure lenders use to assess borrowing. Calculated in your browser.
- 100% free
- Private & safe
- Runs in your browser
Why use Debt-to-Income Ratio Calculator?
Debt-to-Income Ratio Calculator gives you accurate results instantly, with the underlying formula shown so you can trust the numbers.
- Runs instantly in your browser — nothing to install, nothing uploaded.
- Completely free, with no account, no watermarks and no usage limits.
- DTI = Monthly debt ÷ Gross monthly income × 100
- Enter total monthly debt payments.
- Works on any device — desktop, tablet and phone — and is fully keyboard accessible.
How to use Debt-to-Income Ratio Calculator
- Enter total monthly debt payments.
- Enter gross monthly income.
- See your DTI percentage.
- Aim for 36% or below.
Examples
- $1,500 debt on $5,000 income is a 30% DTI.
- Checking readiness for a mortgage.
Formulas
- DTI = Monthly debt ÷ Gross monthly income × 100
Limitations
- Lender thresholds vary; 36% is a common guideline.
- Estimate only, not financial advice.
Frequently asked questions
What DTI do lenders want?
Often 36% or below, though some allow more.
Gross or net income?
Use gross (pre-tax) monthly income.
Stored?
No — local only.
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