Debt-to-Income Calculator
Compare monthly debt payments with gross income.
Calculate debt-to-income ratio
Estimated ratio
Debt-to-income ratio
- Orientation band
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- Gross income minus listed debts
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These bands are context only, not lender approval standards. The remaining figure is pre-tax income less only the debts you entered; it is not take-home pay and deducts no tax or living costs.
Your entries and results stay in this browser. This tool does not send, save, or add them to the page address.
How to use this calculator
Add recurring monthly debt obligations and enter gross monthly income before taxes. DTI is debt divided by gross income, multiplied by 100.
Interpretation and limitations
The tool reports a back-end ratio: every recurring debt payment you enter, over gross income. A front-end ratio counts housing costs only, and lenders often look at both.
The 36% and 43% bands are common rules of thumb, not universal approval thresholds. Lenders and loan programs can use different limits and may consider credit history, cash reserves, down payment, income stability, and other factors alongside DTI. Compare the result with the current requirements for the specific loan and lender you are considering.
Lenders also disagree about the inputs. Which obligations count varies, and qualifying income is rarely the gross figure on a pay stub: bonus, overtime and self-employment income are typically averaged over years, documented, and often discounted. This result is not lending or financial advice, and it does not indicate whether any lender would approve you.
Frequently asked questions
What income should I enter?
Enter gross monthly income before taxes and deductions.
Which debts should I include?
Common lender calculations include required recurring debt payments, but definitions vary.
Does a ratio determine approval?
No. Lenders use different thresholds and consider credit, assets, loan type, and other factors.