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Debt-to-Income Ratio Calculator
A debt-to-income calculator divides your monthly debt payments by your gross monthly income. The result shows how much of your income is committed to debt before taxes.
The lowest rates are only available to the most qualified applicants.
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Enter your numbers and press Calculate. Nothing you type leaves your browser.
The lowest rates are only available to the most qualified applicants.
Advertising disclosure: Loancalculated may receive a referral fee if you apply through the link above. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. Read the full disclosure.
How this calculator works
Debt-to-income ratio (DTI) compares your monthly debt payments with your gross monthly income. Lenders use it to judge whether you can absorb another payment.
DTI = (housing payment + other monthly debt payments) ÷ gross monthly income × 100.
- Housing ratio: housing payment ÷ income × 100.
- Total ratio: all debt payments ÷ income × 100.
Gross income is pay before taxes and deductions. If income is 0 the ratio has no meaning, so the tool returns nothing rather than a bogus figure.
Thresholds differ by lender and program, so ask the lender what it wants instead of assuming a single cutoff.