Financial Tools

Debt-to-Income Calculator

See the ratio lenders look at first. Your monthly debt payments divided by your gross monthly income, with the housing-only and total versions side by side.

Income

Gross Monthly Income (before taxes, all sources)

Monthly Debt Payments

Rent or Mortgage (include taxes, insurance, HOA)

Car Payments

Credit Card Minimums

Student Loans

Other Debts (personal loans, child support, alimony)

Values shown are examples. Utilities, groceries and subscriptions are not debt and stay out of the ratio.

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Your Ratio

Debt-to-Income Ratio	0%
Where It Lands	n/a

Housing Ratio (front-end)	0%
Total Monthly Debt	$0
Gross Monthly Income	$0
Left After Debt Payments	$0
To Reach 36%	n/a

Enter your gross monthly income to see the ratio.

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Everything here stays in your browser. The link carries your inputs inside the address itself, and the PDF is made by your own device.

For illustration only, not financial advice. Results are estimates based on the numbers you enter and do not constitute an offer, rate quote or approval.

You know your DTI. Now see who lends at it.

Lenders publish the DTI they accept. Compare current offers, terms and fees side by side.

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Questions people ask

How is the debt-to-income ratio calculated?

The page adds your monthly debt payments, housing included, and divides the total by your gross monthly income. The housing ratio divides the rent or mortgage line alone by the same income.

Which payments count as debt?

Rent or mortgage with taxes, insurance and HOA, car payments, credit card minimums, student loans and other debts such as personal loans, child support or alimony. Utilities, groceries and subscriptions are not debt and stay out of the ratio.

Should I use gross or take-home income?

Gross monthly income, before taxes, from all sources. That is the income the ratio on this page divides by.

What does To Reach 36% show?

If your ratio is above 36%, it shows how much more monthly income or how much less monthly debt would bring it down to that level. The band labels are general guidelines, not a lending decision.