Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio instantly — enter monthly debt and gross income, nothing leaves your browser.
This is for informational purposes only and is not financial advice.
What is the debt-to-income ratio?
The debt-to-income (DTI) ratio is your total monthly debt payments divided by your gross (pre-tax) monthly income, expressed as a percentage. It is one of the primary metrics lenders use to evaluate whether you can manage additional debt.
A DTI below 36% is generally considered healthy. Most conventional mortgage lenders prefer a DTI of 43% or below. A DTI above 50% signals that more than half your gross income goes to debt service, which most lenders view as high risk.
FAQ
What counts as monthly debt? Include all recurring obligations: mortgage or rent, car loans, student loans, minimum credit card payments, and any other fixed monthly commitments. Do not include groceries, utilities, or other variable expenses.
Gross or net income? Always use your gross (before-tax) monthly income — that is what lenders use.
Is my data sent anywhere? No — all calculations happen locally in your browser.