Debt and income planning

Debt-to-Income Ratio Calculator

Estimate the share of gross monthly income committed to the recurring debt payments you enter.

Enter monthly income and debt obligations

Debt-to-income ratio (DTI) uses gross income before taxes and other deductions. Enter monthly payment obligations rather than outstanding balances.

Income before taxes and other payroll deductions.
For a mortgage scenario, use the housing obligation you want to model, including applicable taxes, insurance, mortgage insurance, and required association dues.
Enter required monthly payments, not card balances.
Include recurring obligations such as alimony, child support, or separate maintenance when applicable.
Use recurring debt obligations that are not already entered above. Do not add ordinary living expenses here.

Results will appear after valid values are entered.

Total DTI — Entered monthly debt obligations ÷ gross monthly income
Housing share of gross income — Housing payment entered ÷ gross monthly income
Non-housing debt share — Other entered debt payments ÷ gross monthly income
Total monthly debt entered — Housing plus entered recurring debt obligations
Gross income after entered debt — Before taxes, living expenses, savings, and other spending
Debt per $1 of gross income — Another way to read the modeled total DTI

How to read the result

A 35% modeled DTI means the entered monthly debt obligations equal $0.35 for each $1 of gross monthly income. It does not mean that 65% is available to spend because taxes, food, utilities, insurance, savings, repairs, and other expenses are outside the DTI calculation.

This calculator does not determine loan eligibility. Lenders and loan programs can use different definitions, documentation rules, and underwriting limits. Use the lender's current requirements for an actual application.

For educational purposes only. Results are estimates. Review the Calculator Methodology for shared assumptions, rounding, payoff timing, and privacy-conscious analytics details.

Related guide

Understand what the ratio includes before using it

Debt-to-income ratio (DTI) is simple arithmetic, but actual underwriting depends on which income and obligations a lender counts.

How to Calculate Your Debt-to-Income Ratio

Learn the formula, what belongs in the calculation, why gross income is used, and why there is no universal approval cutoff.

Read the DTI guide →