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Debt-to-Income Ratio Calculator (DTI)

Is a larger loan payment realistic alongside your existing debts? Compare recurring debt bills with income before taxes, the way a debt-to-income ratio is normally stated.

Enter your figures

Figures are calculated in this browser; entered personal amounts are not required to be sent to our servers.

Monthly gross income BEFORE tax ($)Monthly mortgage payment ($; 0 if none)Auto loan payments per month ($)Monthly credit-card minimum payments ($)Student loan payments per month ($)Other monthly debt obligations ($)

Calculation results

Debt-to-income ratio33.33%Updates when inputs change

Combined monthly debt payments$2,000.00

Room to a hypothetical 36% DTI$160.00

Estimate only. A bank, employer, tax office or lender may apply additional conditions. See the scope and source below.

When and how to use this calculator

A household with $6,000 gross income and $2,000 in qualifying monthly debt payments has a DTI of 33.33%. Renting is not the same as making mortgage payments for this calculation; specific lender rules may vary.

Use gross monthly pay before income tax, insurance, or retirement payroll deductions. For an annual salary divide by twelve.
Add contractual MONTHLY debt payments, including mortgage, car, student loans, and card minimums. Do not enter each loan's outstanding balance as the monthly payment.
Compare the percentage with requirements for the loan product you are considering. The displayed 36% headroom is a planning example, not a mortgage approval standard.

Understand your result

No credit score, tax return, lender underwriting, nonstandard payment schedules or loan-specific DTI exception is modelled. This tool never transmits input financial amounts.

Questions people ask

Should I include everyday shopping and grocery costs?

Not in the mathematical DTI formula. You should still include those in an actual household budget and affordability plan.

Can a lender approve a different DTI?

Yes. DTI policies depend on product, income verification, underwriting rules and lender. A score under 36% is not automatic approval.

Does DTI use net paycheck income?

No. The standard ratio uses income before taxes and deductions; use verified gross income rather than take-home pay.

Reference and calculation scope

Source material is provided for independent checking. Our calculator is not a government or bank service.

CFPB — What is a debt-to-income ratio?

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