Worked example
Debt payments of $1,200 against $4,000 monthly gross income equal a 30% DTI.
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Debt-to-Income Ratio Calculator
Compare monthly debt payments with gross monthly income.
Enter your numbers
Adjust the example to calculate using your own figures. Results update instantly.
Your results
Calculated locally- Debt-to-income ratio
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- Income less debt payments
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Important assumptions
Different lenders classify eligible debts differently; this is not a lending decision.
How to use your results
Lenders use DTI to compare ongoing debt obligations with gross income. It is not the same as a full household budget.
Start with the example values, then replace them with amounts for the same transaction or time period. Double-check rates and units. The results are estimates intended to help you explore possible outcomes, not financial or tax advice.
What lenders mean by DTI
Debt-to-income ratio relates recurring monthly debt payments to gross monthly earnings. Lenders may use it to assess affordability, but calculation methods and thresholds vary between mortgage products and other credit applications.
DTI is not the same as money left to spend
The displayed income minus debt payments is before income tax and household costs. Food, insurance, utilities and emergency savings still matter when considering a new monthly obligation.
Does a low DTI guarantee a mortgage approval?
No. Credit history, assets, down payment, employment, loan terms and the lender's policies all affect a financing decision.
How to calculate debt-to-income ratio
DTI = monthly debt payments ÷ gross monthly income × 100
Lenders use DTI to compare ongoing debt obligations with gross income. It is not the same as a full household budget.