How does the Debt-to-Income Ratio Calculator work?

DTI = (Total Monthly Debt Payments ÷ Gross Monthly Income) × 100 Then: Include all minimum debt payments: mortgage, car, student loans, credit cards Then: Gross income = before tax income Then: Front-end DTI = housing costs only; Back-end DTI = all debts.

Can you give an example of how to use the Debt-to-Income Ratio Calculator?

Example: Input $1,500 debts, $6,000 income gives a result of DTI 25% — Good (lender friendly).

Is the Debt-to-Income Ratio Calculator free to use?

Yes — completely free with no registration, download, or subscription required. All calculations happen instantly in your browser.

How accurate is the Debt-to-Income Ratio Calculator?

Our Debt-to-Income Ratio Calculator uses verified mathematical formulas and is accurate to multiple decimal places. Results are calculated in real-time using the same methods used by professionals.

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Debt-to-Income Ratio Calculator

Debt-to-Income Ratio

Gross Monthly Income ($)

Total Monthly Debt Payments ($)

The debt-to-income (DTI) ratio measures monthly debt payments as a percentage of gross monthly income. Lenders use DTI to assess creditworthiness for mortgages and loans.

Symbol	Name	Unit	Description
debt	Monthly debt payments	$	All required monthly debt payments
income	Gross income	$	Total monthly income before taxes
DTI	Debt-to-income ratio	%	Percentage of income going to debt

DTI Ratio	Rating	Mortgage Eligibility
< 20%	Excellent	Easy approval
20–35%	Good	Most lenders approve
36–43%	Fair	Conventional mortgage limit
44–50%	High	FHA limit — difficult
> 50%	Very High	Most lenders decline

References

›DTI guidelines — Consumer Financial Protection Bureau

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Monthly debt as a percentage of gross income. Instant result with amortization table, formula and chart. Free financial calculator.

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Debt-to-Income Ratio Calculator

Debt-to-Income Ratio

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Debt-to-Income Ratio