How do I use the Debt-to-Income Calculator?

Enter your monthly gross income (before taxes). Add any other income sources. Enter all monthly debt payments — mortgage, car, student loans, credit cards. Click Calculate DTI to see your ratio. Check your rating against lender requirements.

Is the Debt-to-Income Calculator free?

Yes, the Debt-to-Income Calculator is completely free. It runs entirely in your browser with no signup, no download, and no data sent to any server.

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Debt-to-Income Calculator

Calculate your DTI ratio to assess financial health and mortgage eligibility. See your rating on the lender scale.

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Debt-to-Income Ratio Calculator

Calculate your DTI ratio to assess your financial health and mortgage eligibility.

Monthly Income (Before Taxes)

Salary/Wages

Other Income

Monthly Debt Payments

Mortgage/Rent

Car Payment

Student Loans

Credit Cards

Other Debts

How to use

How to Use the Debt-to-Income Calculator

1 Enter your monthly gross income (before taxes).
2 Add any other income sources.
3 Enter all monthly debt payments — mortgage, car, student loans, credit cards.
4 Click Calculate DTI to see your ratio.
5 Check your rating against lender requirements.

Your Debt-to-Income (DTI) ratio is the percentage of your monthly gross income that goes toward debt payments. Lenders use DTI to evaluate your ability to manage monthly payments. Most mortgage lenders prefer a DTI of 36% or lower, with a maximum of 43% for qualified mortgages.

A lower DTI indicates better financial health and makes it easier to qualify for loans with better interest rates. To improve your DTI, you can either increase income or reduce debt payments. The DTI only considers minimum required payments, not discretionary spending.

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