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Debt-to-Income Calculator

Calculate your debt-to-income ratio from monthly debt and gross income.

$
$
Debt-to-income ratio
33.33%
Lenders often look for 36% or lower.
Monthly debt
$2,000.00
Gross income
$6,000.00
Currency symbol:

How it works

  1. 1Enter your total monthly debt payments.
  2. 2Enter your gross (pre-tax) monthly income.
  3. 3See your debt-to-income ratio as a percentage.

Use cases

  • Check your DTI before applying for a mortgage.
  • See how paying down debt changes your ratio.
  • Understand how lenders view your finances.

Frequently asked questions

What is a good debt-to-income ratio?

Lenders generally prefer a DTI of 36% or lower, with no more than about 28% going to housing. Lower is better.

Which debts count?

Include recurring monthly obligations — rent or mortgage, car loans, student loans, and minimum credit-card payments. Utilities and groceries are not counted.

Is my data stored?

No. Everything runs in your browser.

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