About the Debt-to-Income Ratio Calculator
Find your debt-to-income (DTI) ratio, which lenders use to judge loans. This tool is free, works in your browser and needs no sign-up.
How to use the Debt-to-Income Ratio Calculator
Enter your total monthly debt payments and your gross monthly income.
Formula used
DTI = Monthly debt payments ÷ Gross monthly income × 100.
Example
With Monthly debt payments 1500, Gross monthly income 5000, the calculator shows: DTI ratio = 30.00%; Level = Good (36% or less).
Frequently asked questions
Is the Debt-to-Income Ratio Calculator free to use?
Yes. It is completely free and you can use it as many times as you like.
How accurate is the Debt-to-Income Ratio Calculator?
The calculator uses standard formulas, so the maths is exact. Real life results can differ because of fees, taxes, rounding or personal factors, so treat the answer as an estimate.
Do you store the numbers I enter?
No. All calculations run in your browser. The values you type are not sent to our server.
Disclaimer: results are estimates for information only. They are not financial, medical or professional advice.