Debt-to-Income (DTI) Calculator
The ratio lenders use to judge whether you can take on more debt.
How to use the Debt-to-Income (DTI) Calculator
- Enter your figures in the fields above — results update instantly as you type.
- Choose your currency symbol (the maths is the same in any currency).
- Use Share result to save a link that reloads your exact inputs, or Print for your records.
- Compare scenarios by changing one input at a time and noting how the main result moves.
Formula
DTI = Monthly debt payments ÷ Gross monthly income × 100Worked example
1,800 of monthly debts on 6,500 gross income gives a DTI of about 27.7%.
Frequently asked questions
Is rent included?
Lenders typically include housing payments; for a new mortgage they use the proposed payment.
How do I lower DTI?
Pay down revolving balances, avoid new debt before applying, or raise documented income.
Assumptions & limits
Results are estimates based on the inputs you provide and the formula shown, rounded for display. They do not account for every fee, tax rule or market condition. This tool is educational and is not financial, tax or legal advice — confirm important decisions with a qualified professional.
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