Debt-to-Income Ratio Calculator
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By Abdul HadiPublished: Updated:
How to Use?
- 1
Enter income
Enter your gross monthly income.
- 2
Enter debt payments
Enter all recurring debt payments (mortgage/rent, car loans, credit card minimums, etc.).
- 3
View results
View DTI percentage and a status recommendation.
Worked Examples
1Example
Given Values
monthlyGrossIncome:5000
mortgageOrRent:1200
carLoanPayment:300
creditCardMin:100
Results
totalDebt:1600
dtiRatio:32
status:Good
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Frequently Asked Questions
Below 36% is generally good; below 43% may still qualify for many loans.
No, DTI typically includes only debt payments (loans, credit cards, housing).
Include the minimum monthly payment under "Other Debt Payments" even if payments are deferred.
Use an average of your last 3-6 months of income for a more accurate DTI estimate.
Increase income (overtime, side jobs), pay down debt faster, or avoid taking on new debt obligations.
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