Debt-to-Income (DTI) Calculator

Measure your total monthly debt payments relative to gross income to assess lending readiness.

Inputs

Gross monthly incomePre-tax total monthly earnings

Monthly Debt Obligations

Rent / Housing Mortgage

Credit Card Min Payments

Car Loans / Leases

Student / Personal Loans

Read DTI Guide

Results

Debt-to-Income (DTI) Ratio

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Underwriting Status—

Total monthly debt—

Gross monthly income—

Metric—

DTI Ratio = (Total Monthly Debt Payments ÷ Gross Monthly Income) × 100.

How this calculator works

Measures the percentage of gross monthly income dedicated to recurring debt payments to evaluate borrowing capacity and financial stability.

Formula

DTI % = (Total Monthly Debt Payments / Gross Monthly Income) × 100

Worked Example

Gross monthly income of $6,000 with monthly debt payments of $1,500 mortgage + $300 auto loan + $200 minimum credit card = $2,000 total debt. DTI = 33.3%.

Assumptions

Income is pre-tax gross monthly earnings.
Debt payments represent mandatory minimum contractual monthly obligations.

Limitations

Excludes non-debt living costs such as utilities, groceries, health insurance premiums, and transportation costs.

Disclaimer: Educational estimate only. See our Disclaimer.