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About the Debt-to-Income Ratio Calculator
This Debt-to-Income Ratio Calculator shows the share of your gross monthly income that goes toward debt payments. Enter your income and debts, and it returns a DTI percentage you can compare against lender limits for loan qualification.
The calculator uses the standard DTI formula: total monthly debt payments divided by gross monthly income, multiplied by 100. It reports both the front-end ratio for housing costs and the back-end ratio that includes all debts. Inputs include rent or mortgage, car loans, student loans, credit card minimums, and other recurring payments. Always use income before taxes, and remember that many lenders follow the 28/36 guideline; for major borrowing decisions, consider consulting a loan professional.
- Enter your gross monthly income from all sources.
- List every monthly debt payment you make.
- Read the resulting DTI percentage and compare it to lender requirements.