Debt-to-Income Ratio Calculator
Calculate monthly debt-to-income ratio from gross income and recurring monthly debt obligations.
Set your values
Adjust the values, then calculate your result.
How to use Debt-to-Income Ratio Calculator
- Enter the measurements or amounts in the fields above.
- Check that dimensions, rates and units match the labels.
- Select “Calculate DTI” to see a clear estimate and the formula used.
How the debt-to-income ratio calculator works
Debt-to-income ratio = recurring monthly debt payments ÷ gross monthly income × 100.
Check your measurements and assumptions
Lenders may count debts and income differently and use other underwriting criteria. This estimate does not predict approval or include all household expenses.
Review the estimate before you act
Compare this result with an independent measurement, supplier quote or institution guidance when the decision matters. Confirm that the units and assumptions match the labels above, and update the inputs when the conditions change. Keep a note of the values used so you can reproduce the estimate later. This calculator is a planning aid and does not replace professional, product-specific or local guidance.
How do I calculate debt-to-income ratio?
Add required monthly debt payments, divide by gross monthly income before tax, then multiply by 100.
Is input uploaded?
Processing takes place in your browser. This tool does not send your input or selected files to a conversion API.